3447 PALOMETA DRIVE, Hernando Beach, FL, 34607 | $694,000

Experience the perfect blend of strength, sophistication, and waterfront living in this brand-new Hernando Beach residence. Built with hurricane-ready engineering, including deep pilings and engineered breakaway walls, this home ensures long-term security while embracing modern coastal design. Inside, dramatic grand 12 foot tray ceilings set the tone for open, airy living. Expansive windows flood the home with natural light and frame sweeping waterfront views. The culinary-grade kitchen is both functional and refined, featuring custom full-height soft-close cabinetry, quartz slab countertops, a statement island with designer pendant lighting, and integrated finishes that elevate every detail. Crafted for resilience, comfort, and efficiency, the home includes impact-rated Pella windows and doors, a GAF Lifetime shingle roof with secondary water barrier, Zip-Sheathing waterproofing, concrete block first level with engineered blow-out walls, and Wi-Fi enabled impact-rated garage doors. A Comfortmaker three-ton 15 SEER HVAC system with programmable thermostat provides climate efficiency, while prewiring for Ethernet, smart shades, security, and surveillance ensures modern convenience. A dedicated elevator shaft is in place, allowing for effortless installation of a private elevator when desired. The oversized garage offers capacity for up to six vehicles, providing unmatched storage for cars, boats, or recreational equipment. Outdoors, the property is finished with a seawall, paver driveway, professional landscaping with St. Augustine sod, and a four-zone irrigation system. Step outside to enjoy direct canal access to the Gulf of Mexico, ideal for boating, fishing, and the Florida lifestyle. Hernando Beach is recognized as the most affordable way to live on waterfront with Gulf access in the Tampa Bay area, offering buyers the rare opportunity to enjoy a luxury coastal lifestyle at a fraction of the cost of other waterfront communities. Just minutes away, the Hernando Beach Marina provides high and dry storage, wet slips, a full-service boat yard, sales, and maintenance. The neighborhood also offers access to the Hernando Beach Club, a private waterfront social club for gatherings, dining, and entertainment on the water. Located in Hernando Beach South, the home also benefits from HOA oversight that helps maintain neighborhood standards and long-term property values. With a one-year builder warranty and transferable manufacturer warranties included, this residence is as secure as it is stylish. This is more than a home. It is a statement of lifestyle. Beyond your doorstep, Hernando Beach offers countless ways to relax and explore. Spend weekends scalloping, fishing, or island hopping in the Gulf. Pine Island Beach is minutes away for sandy shores and picture-perfect sunsets, while Weeki Wachee Springs invites you to kayak crystal-clear waters and spot manatees up close. Locals enjoy fresh seafood restaurants, tiki bars with live music, and waterfront dining where you can arrive by boat. Adventure seekers can bike through the Weeki Wachee Preserve, launch paddleboards from hidden canals, or join the lively boating scene that defines the area. From neighborhood festivals to coastal sunsets, Hernando Beach is where everyday living feels like a getaway. Secure your place in one of Florida’s most unique waterfront communities today.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Closet, Laundry Room
  • Year Built: 2025
  • Garage: 6-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,800
  • Acreage: 0.17
  • Est. Taxes: $1,164
  • HOA Fee: $306 Annually
  • Lot Desc: Landscaped, Near Golf Course, Near Marina
  • View: Water
  • Pet Policy: Yes
  • Appliances: Convection Oven, Cooktop, Dishwasher, Freezer, Ice Maker, Microwave, Range, Refrigerator, Tankless Water Heater
  • MLS#: TB8420994
  • Days on Market: 111 days
  • Website: https://www.raveis.com
    /prop/TB8420994/3447palometadrive_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 1/11/2026 6:17:07 PM)
Listing courtesy of FRANK ALBERT REALTY   Phone: 813-546-2503

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3447 PALOMETA DRIVE, Hernando Beach, FL, 34607

$694,000

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 $555,200 $555,200 $555,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $97 $97 $97
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,152 $3,325 $4,427
Total Monthly Payment $3,341 $3,514 $4,616

* 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.