2964 S CYGNET TERRACE, INVERNESS, FL, 34450
Active74 days on marketListed May 28, 2026MLS #OM725446
About this home
2964 S CYGNET TERRACE
Discover peaceful waterfront living in this well-maintained 3-bedroom, 2-bath home, ideally situated on more than half an acre with a freshwater canal along the backyard. From the moment you arrive, you'll appreciate the inviting curb appeal, spacious lawn, and mature landscaping. Inside, the comfortable living room opens through French doors to a screened lanai - the perfect place to relax while enjoying views of the expansive backyard. A charming gazebo and small private dock complete the outdoor setting, offering direct canal access to Lake Henderson and the Chain of Lakes. The kitchen features generous cabinet space, stainless steel appliances, and a cozy breakfast nook, while a separate formal dining room provides additional space for entertaining. The primary suite offers attractive wood-look flooring, a walk-in closet, and a private bath with a jetted tub and step-in shower. Part of the garage has been converted into a heated and cooled hobby or game room, creating flexible space for recreation, crafts, or a home office. Additional features include a water softener, iron-removal system, a roof replaced in 2012, and an HVAC system installed in 2023. Enjoy space, comfort, and waterfront access all in one beautiful property. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,917
Sqft
0.58 ac
Lot size
2
Garage
1993
Year built
One
Levels
$190
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,658 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,658/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+17.6%
$/sqft vs Inverness actives
$190 vs $179
Days on market
74 vs 45 typical
Where $190/sqft sits among the 185 Inverness actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Inverness
Get to know Inverness. See the full Inverness guide →
INVERNESS 34450 — neighborhood snapshot
Population
10,408
Median age
59.5
Median income
$48,955
Median home value
$210,200
Avg household
2.04
Households w/ children
604
For the school run
Citrus County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Inverness market
$235K → $265K
Inverness median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
92 of 185
Inverness actives have cut their price
Median sold price, Inverness, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 90% above the INVERNESS 34450 median. See the full Inverness market guide →
Paper trail
This home's history
Reality check
What actually sold near 2964 S CYGNET TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$405,000
2840 S EAGLE TERRACE · same community
3 bd · 2.5 ba · 1,920 sqft · $211/sqft · 42 DOM
Sold · Jul ’26$278,000
3110 S EAGLE TERRACE · same community
3 bd · 2 ba · 1,856 sqft · $150/sqft · 123 DOM
Sold · Mar ’26$385,000
3030 S BAY BERRY POINT
3 bd · 2 ba · 1,912 sqft · $201/sqft · 16 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2964 S CYGNET TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2964 S CYGNET TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derrion's phone and CRM.
Straight answers
2964 S CYGNET TERRACE FAQs
What would the monthly payment be for 2964 S CYGNET TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,658/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2964 S CYGNET TERRACE?+
The most recent tax bill on record (2025) was $2,263. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Inverness?+
At $364,880, this home is listed about 42% above the Inverness median of $256,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2964 S CYGNET TERRACE?+
Inverness Middle School (middle), Citrus High School (high), Inverness Primary School (elementary) — Citrus County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$364,880 runs 90% above the INVERNESS 34450 median — but at 1,917 sqft it's also 36% larger than the typical Inverness listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $368,800, now $364,880 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Bonnie Ciesla. MLS #OM725446.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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