Citrus Springs — Affordable Lots, Real Challenges
Citrus Springs is one of the largest subdivisions in the state of Florida, spanning thousands of acres in eastern Citrus County. Originally platted in the 1960s and 70s with thousands of individual lots, the community has grown steadily as buyers discovered its affordable land, wooded setting, and proximity to the Withlacoochee State Forest. Homes here range from modest starter properties to custom-built family residences on generous lots.
The affordability that drew many homeowners to Citrus Springs is being challenged. Property insurance has surged across Citrus County, and homeowners here are not immune. The community sits inland, which spares it from the worst coastal insurance rates, but premiums have still doubled or more for many residents. Property taxes have climbed alongside rising values. And for homeowners on fixed incomes or in seasonal employment, these increases can tip the balance from manageable to impossible.
If you are struggling to keep up with your mortgage, the worst move is doing nothing. Florida foreclosure is a court-driven process, and every month you wait reduces your options. I work directly with Citrus Springs homeowners to find the best path — whether that means modifying your loan, selling strategically, or negotiating with your lender to avoid the worst outcomes.