4049 Cobia DRIVE, Hernando Beach, FL, 34607 | $723,000

Experience true waterfront living. This 3 story home features three bedrooms, which can accommodate family members, and guests, and has an additional dedicated office. The fully finished bonus room can serve various purposes, such as a home theater, playroom, fitness area, or even a guest suite. It adds valuable extra living space. The kitchen is a focal point of the home, featuring modern, easy-to-maintain granite countertops, updated soft close hardwood kitchen cabinets with an additional island, and a walk-in pantry. Two bedrooms and a bath are on the main floor with the primary bedroom on the 3rd floor with a dedicated bathroom with a claw tub and separate shower. It also boasts a balcony to watch the famous sunsets. Hardwood floors throughout the house create a warm and timeless atmosphere. The ground level offers a two-car garage with plenty of storage and a workshop. The property is situated on 75 feet of spring-fed saltwater canal frontage, offering picturesque views and the opportunity for boating, fishing, and other water-based activities right from your backyard. Having DIRECT ACCESS to the GULF of MEXICO through the canal and lock is a significant advantage for water enthusiasts, as it allows for easy exploration of the open waters, fishing trips, and more. It has a spacious outdoor area with a deck, patio, or screened lanai. These spaces are perfect for outdoor dining, entertaining, and enjoying the waterfront views. The 8 x 8 spa comes with the house. It has a private boat dock and a seawall to facilitate your waterfront activities. These features can enhance your boating and fishing experience. There are nearby marinas, restaurants, and shops. A convenient location can improve your overall quality of life and provide easy access to services. The house boasts a Quick Connect Whole House Generator and has hurricane windows that will withstand 130 miles an hour of wind. Alarm system is included. New Roof May 2024.

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Coastal, Patio
  • Year Built: 2002
  • Garage: 2-car Circular Driveway, Driveway, Garage Door Opener, Ground Level, Split Garage, Workshop in Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,444
  • Acreage: 0.17
  • Est. Taxes: $3,501
  • HOA Fee: $245 Annually
  • Lot Desc: Flood Insurance Required, FloodZone, Landscaped, Level, Near Marina
  • View: Water
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Pet Policy: Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
  • MLS#: O6151606
  • Days on Market: 188 days
  • Website: https://www.raveis.com
    /prop/O6151606/4049cobiadrive_hernandobeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/11/2024 3:25:24 AM)
Listing courtesy of EXP LUXURY   Phone: 321-273-8032

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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4049 Cobia DRIVE, Hernando Beach, FL, 34607

$723,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $578,400 $578,400 $578,400
Term 360 months 360 months 180 months
Initial Interest Rate** 7.250% 7.125% 6.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.945% 7.282% 6.538%
Monthly Tax Payment $292 $292 $292
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,946 $3,897 $4,959
Total Monthly Payment $4,330 $4,281 $5,343

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.