3276 SEA GRAPE DRIVE, Hernando Beach, FL, 34607 | $569,000

DOWN PAYMENT ASSISTANCE AVAILABLE FOR DOWN PAYMENT AND CLOSING COSTS- NO MONEY OUT OF POCKET. NO INCOME LIMITS. Ask for details. 2023 Elevated Waterfront Home on Oversized Double Lot with Gulf Access. Move-in ready and built with exceptional quality, this Hernando Beach home offers privacy, space, and true coastal living. Enjoy an OVERSIZED FENCED DOUBLE LOT, 18-FT PRIVATE BOAT RAMP, 80-FT CONCRETE SEAWALL, and GULF ACCESS—with no HOA and no short-term rental restrictions. Inside, the open layout features volume ceilings, abundant natural light, plank ceramic floors, and a full-length screened balcony with beautiful sunrise and sunset views. The GOURMET KITCHEN includes QUARTZ COUNTERS AND ISLAND, SHAKER CABINETRY, LG APPLIANCES WITH DOUBLE ICE MAKER, PROPANE RANGE, FARMHOUSE SINK, AND UNDER-COUNTER MICROWAVE DRAWER. Energy-efficient upgrades include DOUBLE-PANE WINDOWS, a SOUND-INSULATED METAL ROOF, and an attic with THERMAL BARRIER INSULATION for very LOW ENERGY BILLS. The primary suite offers a large walk-in closet and spa-like bath with dual sinks and a custom-tiled walk-in shower. A convenient OUTDOOR LIFT connects the main level to the ground floor for easy access. The huge block-constructed garage fits 4 cars, a boat, toys and includes workshop space, upgraded cement-board walls, and a covered lanai that wraps to the seawall. A rare combination of quality, privacy, freedom, and true Gulf access—this is the one you’ve been waiting for. VISIT OUR 3D TOUR.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Contemporary
  • Year Built: 2023
  • Garage: 4-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,624
  • Acreage: 0.23
  • Est. Taxes: $8,785
  • Lot Desc: Street Dead-End
  • View: Water
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: TB8426862
  • Days on Market: 167 days
  • Website: https://www.raveis.com
    /prop/TB8426862/3276seagrapedrive_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 3/2/2026 7:47:06 AM)
Listing courtesy of RE/MAX COLLECTIVE   Phone: 813-438-7841

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3276 SEA GRAPE DRIVE, Hernando Beach, FL, 34607

$569,000

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 $455,200 $455,200 $455,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.875% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.520% 5.415%
Monthly Tax Payment $732 $732 $732
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,514 $2,693 $3,629
Total Monthly Payment $3,338 $3,517 $4,453

* 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.