# 4589 N Grass Island Terrace, Hernando, FL 34442 > **TL;DR:** 3bd/2ba single family, $239,000 ($154/sqft), built 2003, 1,557 sqft. > Waterfront, A/C, RV Parking, 2-car garage. Est. $1,794/mo. Listed 42 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $239,000 | | Price/sqft | $154 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,557 | | Year Built | 2003 | | Lot Size | 8,712 sqft (0.20 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 42 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,209 | | Estimated Insurance | $70 | | HOA | $515 | | **Total** | **$1,794** | ## Nearby Schools - **Elementary:** Hernando Elementary - **Middle:** Inverness Middle - **High:** Citrus High ## Key Amenities - Waterfront - A/C - RV Parking - 2-car garage ## Property Highlights - Built in 2003 - 0.20 acre lot - 2 parking spaces - Waterfront ## Description ### Agent Description Discover Arbor Lakes, a private, gated 55+ lakeside community nestled along the beautiful Tsala Apopka Chain of Lakes, where peaceful surroundings, comfortable living, and an active Florida lifestyle come together. This inviting 3-bedroom, 2-bath home offers a desirable split-bedroom floor plan and a comfortable layout with plenty of space for its new owners. The bright and airy kitchen features an abundance of cabinet space and a large pantry, making it both functional and inviting. An indoor laundry room adds everyday convenience, while the two-car garage provides plenty of room for parking and storage. Step outside and enjoy the nice screened-in back patio, the perfect spot to relax, unwind, and enjoy the peaceful surroundings. Beyond the home, Arbor Lakes offers an array of amenities designed to make the most of the Florida lifestyle. Enjoy lakeside living with access to the lake for boating, along with a vibrant community center featuring an exercise room, billiards room, and pool. Tennis and pickleball courts provide even more opportunities to stay active, enjoy the outdoors, and connect with neighbors. Residents enjoy a welcoming community atmosphere with opportunities to stay active and social, while being conveniently located near shopping, dining, medical facilities, entertainment, and more. The community also offers easy access to Ocala and is just a short drive from the Shoppes at Black Diamond in Beverly Hills, making everyday conveniences and local attractions easily accessible. Come see why Arbor Lakes is a wonderful place to call home! ## Location - **Address:** 4589 N Grass Island Terrace, Hernando, FL 34442 - **County:** Citrus - **Neighborhood:** Arbor Lakes - **Coordinates:** 28.929828, -82.369641 - **Google Maps:** https://www.google.com/maps?q=28.929828,-82.369641 ## Listing Agent - **Name:** Lindsey Cummins · **License:** 3336257 - **Brokerage:** Century21 J.W. Morton Real Estate, Inc - **Phone:** 3522010099 - **Broker Phone:** (352) 726-6668 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4589-N-Grass-Island-Ter_Hernando_FL_34442_M60520-16279?f=listhub&s=RACCFL&m=857078&c=propsimple) ## Photos ![4589 N Grass Island Terrace - Photo 1](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f66691475r.jpg) ![4589 N Grass Island Terrace - Photo 2](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2277244446r.jpg) ![4589 N Grass Island Terrace - Photo 3](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2964808929r.jpg) ![4589 N Grass Island Terrace - Photo 4](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3195480266r.jpg) ![4589 N Grass Island Terrace - Photo 5](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2721118877r.jpg) ![4589 N Grass Island Terrace - Photo 6](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3065406268r.jpg) ![4589 N Grass Island Terrace - Photo 7](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3971572324r.jpg) ![4589 N Grass Island Terrace - Photo 8](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f4204230959r.jpg) ![4589 N Grass Island Terrace - Photo 9](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3925059379r.jpg) ![4589 N Grass Island Terrace - Photo 10](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1909444848r.jpg) ![4589 N Grass Island Terrace - Photo 11](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3836785476r.jpg) ![4589 N Grass Island Terrace - Photo 12](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f986603385r.jpg) ![4589 N Grass Island Terrace - Photo 13](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2002026092r.jpg) ![4589 N Grass Island Terrace - Photo 14](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1658538132r.jpg) ![4589 N Grass Island Terrace - Photo 15](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3315239340r.jpg) ![4589 N Grass Island Terrace - Photo 16](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2403205293r.jpg) ![4589 N Grass Island Terrace - Photo 17](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3283725300r.jpg) ![4589 N Grass Island Terrace - Photo 18](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1961533120r.jpg) ![4589 N Grass Island Terrace - Photo 19](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2817270544r.jpg) ![4589 N Grass Island Terrace - Photo 20](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1257790659r.jpg) ![4589 N Grass Island Terrace - Photo 21](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3758827052r.jpg) ![4589 N Grass Island Terrace - Photo 22](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2949286108r.jpg) ![4589 N Grass Island Terrace - Photo 23](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1793955367r.jpg) ![4589 N Grass Island Terrace - Photo 24](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3154285967r.jpg) ![4589 N Grass Island Terrace - Photo 25](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f268898626r.jpg) ![4589 N Grass Island Terrace - Photo 26](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3671037951r.jpg) ![4589 N Grass Island Terrace - Photo 27](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3378340337r.jpg) ![4589 N Grass Island Terrace - Photo 28](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3005434325r.jpg) ![4589 N Grass Island Terrace - Photo 29](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1210087170r.jpg) ![4589 N Grass Island Terrace - Photo 30](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1454283024r.jpg) ![4589 N Grass Island Terrace - Photo 31](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1985393251r.jpg) ![4589 N Grass Island Terrace - Photo 32](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f407060343r.jpg) ![4589 N Grass Island Terrace - Photo 33](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3703572523r.jpg) ![4589 N Grass Island Terrace - Photo 34](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2742566604r.jpg) ![4589 N Grass Island Terrace - Photo 35](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2863214602r.jpg) ![4589 N Grass Island Terrace - Photo 36](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1441763722r.jpg) ![4589 N Grass Island Terrace - Photo 37](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2978148122r.jpg) ![4589 N Grass Island Terrace - Photo 38](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3102004848r.jpg) ![4589 N Grass Island Terrace - Photo 39](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2662802313r.jpg) ![4589 N Grass Island Terrace - Photo 40](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f241574873r.jpg) ![4589 N Grass Island Terrace - Photo 41](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3759271904r.jpg) ![4589 N Grass Island Terrace - Photo 42](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3778354965r.jpg) ![4589 N Grass Island Terrace - Photo 43](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3281167222r.jpg) ![4589 N Grass Island Terrace - Photo 44](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3373338125r.jpg) ![4589 N Grass Island Terrace - Photo 45](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3578496879r.jpg) ![4589 N Grass Island Terrace - Photo 46](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f4166461100r.jpg) ![4589 N Grass Island Terrace - Photo 47](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3357513600r.jpg) ![4589 N Grass Island Terrace - Photo 48](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1575767556r.jpg) ![4589 N Grass Island Terrace - Photo 49](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f826629357r.jpg) ![4589 N Grass Island Terrace - Photo 50](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2727580583r.jpg) ![4589 N Grass Island Terrace - Photo 51](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f620502359r.jpg) ![4589 N Grass Island Terrace - Photo 52](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2274638448r.jpg) ![4589 N Grass Island Terrace - Photo 53](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f4073618539r.jpg) ![4589 N Grass Island Terrace - Photo 54](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f966893242r.jpg) ![4589 N Grass Island Terrace - Photo 55](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f954929103r.jpg) ![4589 N Grass Island Terrace - Photo 56](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f454706785r.jpg) ![4589 N Grass Island Terrace - Photo 57](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f3528093474r.jpg) ![4589 N Grass Island Terrace - Photo 58](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f171980512r.jpg) ![4589 N Grass Island Terrace - Photo 59](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f1377562029r.jpg) ![4589 N Grass Island Terrace - Photo 60](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f2983860513r.jpg) ![4589 N Grass Island Terrace - Photo 61](http://lh.rdcpix.com/74cf438e2ff800bd1815b6f75a1b9f2cl-f795037935r.jpg) --- **MLS#:** 857078 | **Updated:** 2026-09-23 **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/4589-n-grass-island-terrace-hernando-fl-34442-l857078) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/4589-n-grass-island-terrace-hernando-fl-34442-l857078#listing", "url": "https://www.propertysimple.ai/listing/4589-n-grass-island-terrace-hernando-fl-34442-l857078", "name": "4589 N Grass Island Terrace, Hernando, FL 34442", "description": "Discover Arbor Lakes, a private, gated 55+ lakeside community nestled along the beautiful Tsala Apopka Chain of Lakes, where peaceful surroundings, comfortable living, and an active Florida lifestyle come together. This inviting 3-bedroom, 2-bath home offers a desirable split-bedroom floor plan and a comfortable layout with plenty of space for its new owners. The bright and airy kitchen features an abundance of cabinet space and a large pantry, making it both functional and inviting. An indoor laundry room adds everyday convenience, while the two-car garage provides plenty of room for parking and storage. Step outside and enjoy the nice screened-in back patio, the perfect spot to relax, unwind, and enjoy the peaceful surroundings. Beyond the home, Arbor Lakes offers an array of amenities designed to make the most of the Florida lifestyle. Enjoy lakeside living with access to the lake for boating, along with a vibrant community center featuring an exercise room, billiards room, and pool. Tennis and pickleball courts provide even more opportunities to stay active, enjoy the outdoors, and connect with neighbors. Residents enjoy a welcoming community atmosphere with opportunities to stay active and social, while being conveniently located near shopping, dining, medical facilities, entertainment, and more. The community also offers easy access to Ocala and is just a short drive from the Shoppes at Black Diamond in Beverly Hills, making everyday conveniences and local attractions easily accessible. 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