# 3640 E Hidden Cove Trail, Hernando, FL 34442

> **TL;DR:** 3bd/2ba single family, $330,000 ($190/sqft), built 1997, 1,734 sqft.
> Waterfront, A/C. Est. $2,280/mo. Listed 77 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $330,000 |
| Price/sqft | $190 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,734 |
| Year Built | 1997 |
| Lot Size | 8,276 sqft (0.19 acres) |
| Stories | 1 |
| Property Type | Single Family (Single Family Residence) |
| Status | Active |
| Days on Market | 77 |

## Why This Home Stands Out

- **Waterfront** - Waterfront location listed

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,669 |
| Estimated Insurance | $96 |
| HOA | $515 |
| **Total** | **$2,280** |

## Nearby Schools

- **Elementary:** Hernando Elementary
- **Middle:** Citrus Springs Middle
- **High:** Citrus High

## Key Amenities

- Waterfront
- A/C

## Property Highlights

- Built in 1997
- 0.19 acre lot
- 2 parking spaces
- Waterfront

## Description

### Agent Description
Interior painting completed! Move in ready! Prized location on dead-end street backs up to over 3A buffer area for privacy and gorgeous rear views. Popular model 3 bedroom 2 bath + 2 car garage home plus 31' wide Florida room w/sliding glass windows and pavered floor in 2016 to enjoy the fenced rear yard and outside patio. Pavered driveway and entrance. LR leads to enclosed original porch with A/C and on to FL room. Kitchen sink has additional spigot for instant filtered piping hot water for tea, etc. 3 new Pella windows 6 mos ago. New 3.5T Trane A/C system 7/2025. New roof 2020. FL room has new rubber membrane roof sealant. HOA fees paid until Jan 2027. Storage site with 8'x8' shed paid until Jan 2027 in gated lot onsite. Enjoy all that Arbor Lakes has to offer, including a development actually owned by the homeowners! 20A lakeside park with boat ramp & pier, gazebo on the water, tennis/pickleball/shuffleboard courts and large solar heated pool. Large community center with fully stocked kitchen, billiards, fireplace, exercise room, library, TV and rocking chairs around the full porch to enjoy the lakes. Sidewalks throughout with street lights to ride golf carts and walk your dogs. This wonderful home is ready for a new family to bring their style and make it their own!

## Location

- **Address:** 3640 E Hidden Cove Trail, Hernando, FL 34442
- **County:** Citrus
- **Neighborhood:** Arbor Lakes
- **Coordinates:** 28.924624, -82.373863
- **Google Maps:** https://www.google.com/maps?q=28.924624,-82.373863

## Virtual Tour & Media

- **Video Tour:** https://drive.google.com/file/d/15cY3K0Uf6DzWeGA88Hi2G-UC5-vbd-H1/view?usp=share_link

## Listing Agent

- **Name:** Rita Johnson · **License:** 3061449
- **Brokerage:** Century21 J.W. Morton Real Estate, Inc
- **Phone:** 3525331199
- **Broker Phone:** (352) 726-6668
- **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/3640-E-Hidden-Cove-Trl_Hernando_FL_34442_M50690-91583?f=listhub&s=RACCFL&m=855140&c=propsimple)

## Photos

![3640 E Hidden Cove Trail - Photo 1](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1574897944r.jpg)

![3640 E Hidden Cove Trail - Photo 2](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2991924374r.jpg)

![3640 E Hidden Cove Trail - Photo 3](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f651703717r.jpg)

![3640 E Hidden Cove Trail - Photo 4](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2629291120r.jpg)

![3640 E Hidden Cove Trail - Photo 5](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1532757698r.jpg)

![3640 E Hidden Cove Trail - Photo 6](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3668946216r.jpg)

![3640 E Hidden Cove Trail - Photo 7](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f5973275r.jpg)

![3640 E Hidden Cove Trail - Photo 8](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3991195139r.jpg)

![3640 E Hidden Cove Trail - Photo 9](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1149491855r.jpg)

![3640 E Hidden Cove Trail - Photo 10](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2256140894r.jpg)

![3640 E Hidden Cove Trail - Photo 11](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3198115697r.jpg)

![3640 E Hidden Cove Trail - Photo 12](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2685611904r.jpg)

![3640 E Hidden Cove Trail - Photo 13](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1017127326r.jpg)

![3640 E Hidden Cove Trail - Photo 14](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f456369202r.jpg)

![3640 E Hidden Cove Trail - Photo 15](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f828833137r.jpg)

![3640 E Hidden Cove Trail - Photo 16](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3188561870r.jpg)

![3640 E Hidden Cove Trail - Photo 17](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f698342055r.jpg)

![3640 E Hidden Cove Trail - Photo 18](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2843810212r.jpg)

![3640 E Hidden Cove Trail - Photo 19](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3822197077r.jpg)

![3640 E Hidden Cove Trail - Photo 20](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1474463732r.jpg)

![3640 E Hidden Cove Trail - Photo 21](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f4273460327r.jpg)

![3640 E Hidden Cove Trail - Photo 22](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1530557932r.jpg)

![3640 E Hidden Cove Trail - Photo 23](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1588055252r.jpg)

![3640 E Hidden Cove Trail - Photo 24](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f627911854r.jpg)

![3640 E Hidden Cove Trail - Photo 25](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3488865063r.jpg)

![3640 E Hidden Cove Trail - Photo 26](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f494899774r.jpg)

![3640 E Hidden Cove Trail - Photo 27](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3228293369r.jpg)

![3640 E Hidden Cove Trail - Photo 28](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3840813691r.jpg)

![3640 E Hidden Cove Trail - Photo 29](http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2230374407r.jpg)

---

**MLS#:** 855140 | **Updated:** 2026-09-19
**Source:** listhub

*Copyright © 2026 REALTORS Association of Citrus County, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140)

---

## Structured Data

```json
{
  "@context": "https://schema.org",
  "@type": "RealEstateListing",
  "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#listing",
  "url": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140",
  "name": "3640 E Hidden Cove Trail, Hernando, FL 34442",
  "description": "Interior painting completed! Move in ready! Prized location on dead-end street backs up to over 3A buffer area for privacy and gorgeous rear views. Popular model 3 bedroom 2 bath + 2 car garage home plus 31' wide Florida room w/sliding glass windows and pavered floor in 2016 to enjoy the fenced rear yard and outside patio. Pavered driveway and entrance. LR leads to enclosed original porch with A/C and on to FL room. Kitchen sink has additional spigot for instant filtered piping hot water for tea, etc. 3 new Pella windows 6 mos ago. New 3.5T Trane A/C system 7/2025. New roof 2020. FL room has new rubber membrane roof sealant. HOA fees paid until Jan 2027. Storage site with 8'x8' shed paid until Jan 2027 in gated lot onsite. Enjoy all that Arbor Lakes has to offer, including a development actually owned by the homeowners! 20A lakeside park with boat ramp & pier, gazebo on the water, tennis/pickleball/shuffleboard courts and large solar heated pool. Large community center with fully stocked kitchen, billiards, fireplace, exercise room, library, TV and rocking chairs around the full porch to enjoy the lakes. Sidewalks throughout with street lights to ride golf carts and walk your dogs. This wonderful home is ready for a new family to bring their style and make it their own!",
  "image": [
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1574897944r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2991924374r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f651703717r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2629291120r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1532757698r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3668946216r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f5973275r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3991195139r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1149491855r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2256140894r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3198115697r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2685611904r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1017127326r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f456369202r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f828833137r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3188561870r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f698342055r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2843810212r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3822197077r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1474463732r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f4273460327r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1530557932r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1588055252r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f627911854r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3488865063r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f494899774r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3228293369r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3840813691r.jpg",
    "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2230374407r.jpg"
  ],
  "primaryImageOfPage": {
    "@type": "ImageObject",
    "url": "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1574897944r.jpg",
    "caption": "3640 E Hidden Cove Trail - Hernando, FL"
  },
  "datePosted": "2026-07-05T00:00:00+00:00",
  "dateModified": "2026-09-19T05:31:22.501285+00:00",
  "mainEntity": {
    "@type": "Accommodation",
    "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#property",
    "name": "3640 E Hidden Cove Trail, Hernando, FL 34442",
    "address": {
      "@type": "PostalAddress",
      "streetAddress": "3640 E Hidden Cove Trail",
      "addressLocality": "Hernando",
      "addressRegion": "FL",
      "postalCode": "34442",
      "addressCountry": "US"
    },
    "geo": {
      "@type": "GeoCoordinates",
      "latitude": 28.924624,
      "longitude": -82.373863
    },
    "image": [
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1574897944r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2991924374r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f651703717r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2629291120r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1532757698r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3668946216r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f5973275r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3991195139r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1149491855r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2256140894r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3198115697r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2685611904r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1017127326r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f456369202r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f828833137r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3188561870r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f698342055r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2843810212r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3822197077r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1474463732r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f4273460327r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1530557932r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f1588055252r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f627911854r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3488865063r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f494899774r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3228293369r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f3840813691r.jpg",
      "http://lh.rdcpix.com/d31897d3821fcbf4cbb2da3f93899192l-f2230374407r.jpg"
    ],
    "identifier": {
      "@type": "PropertyValue",
      "propertyID": "MLS",
      "value": "855140"
    },
    "accommodationCategory": "Single Family Residence",
    "numberOfBedrooms": 3,
    "numberOfBathroomsTotal": 2,
    "numberOfFullBathrooms": 2,
    "floorSize": {
      "@type": "QuantitativeValue",
      "value": 1734,
      "unitCode": "FTK",
      "unitText": "square feet"
    },
    "yearBuilt": 1997,
    "amenityFeature": [
      {
        "@type": "LocationFeatureSpecification",
        "name": "Heating",
        "value": "Central, Electric (Heating)"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Cooling",
        "value": "Electric, Central Air"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Appliances",
        "value": "Dryer, Dishwasher, ElectricOven, ElectricRange, Microwave, Refrigerator, RangeHood, WaterHeater, WaterPurifier, Washer"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Flooring",
        "value": "Vinyl, Tile"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Construction Materials",
        "value": "Stucco"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Parking Features",
        "value": "Garage, Driveway, Open"
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Waterfront",
        "value": true
      },
      {
        "@type": "LocationFeatureSpecification",
        "name": "Air Conditioning",
        "value": true
      }
    ],
    "additionalProperty": [
      {
        "@type": "PropertyValue",
        "name": "Lot Size",
        "value": "0.19 acres"
      },
      {
        "@type": "PropertyValue",
        "name": "Stories",
        "value": 1
      },
      {
        "@type": "PropertyValue",
        "name": "Parking Spaces",
        "value": 2
      },
      {
        "@type": "PropertyValue",
        "name": "Property Subtype",
        "value": "Single Family Residence"
      }
    ]
  },
  "offers": {
    "@type": "Offer",
    "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#offer",
    "url": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140",
    "price": 330000,
    "priceCurrency": "USD",
    "businessFunction": "http://purl.org/goodrelations/v1#Sell",
    "availability": "https://schema.org/InStock",
    "seller": {
      "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#agent"
    }
  },
  "provider": {
    "@type": "Person",
    "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#agent",
    "name": "Rita Johnson",
    "telephone": "3525331199",
    "worksFor": {
      "@type": "Organization",
      "@id": "https://www.propertysimple.ai/listing/3640-e-hidden-cove-trail-hernando-fl-34442-l855140#brokerage",
      "name": "Century21 J.W. Morton Real Estate, Inc",
      "telephone": "(352) 726-6668"
    }
  }
}
```