3280 GULF WINDS CIRCLE, Hernando Beach, FL, 34607 | $900,000

ONE-OF-A-KIND WATERFRONT VIEWS - FISH RIGHT FROM YOUR DOCK!
Welcome to this impressive 4-bedroom, 2. 5-bath, 3-story waterfront home offering panoramic channel views and direct Gulf access. Enjoy some of the best fishing Hernando Beach has to offer right from your private dock!
The second level serves as the heart of the home, featuring an open-concept living area with vinyl floors throughout. The kitchen showcases white cabinetry, corian countertops, newer stainless steel appliances, and an eat-in bar with an adjoining breakfast nook and formal dining area. The spacious living room includes sliders to the back deck and an accent wall with an electric fireplace. At the far end of this floor, you'll find a den, two additional bedrooms, and a full bath featuring a glass-enclosed walk-in shower and an oversized vanity with granite countertops. Additional 2nd level features include a ½ bath and bedroom off the living room, and a laundry room with built-ins and an utility sink off the kitchen.
The third level is a private primary suite retreat, complete with French doors opening to a private balcony, two sets of closets, and an en suite bathroom with a double-sink vanity, glass-enclosed shower, and jetted tub—perfect for soaking in stunning sunset views.
The backyard is designed for both relaxation and adventure, featuring breathtaking long-channel and conservation views that capture vibrant sunrises and passing dolphins. Enjoy multiple dock options—a floating dock, stationary dock—perfect for boating, kayaking, or paddleboarding right from your own backyard. ROOM FOR A FUTURE POOL. There's also a fish cleaning station for fresh catches and swim stairs for easy water access. The spacious back deck is ideal for entertaining, waterfront dining, or simply soaking in the peaceful coastal breeze. With zeroscaped landscaping, maintenance is minimal—leaving you more time to enjoy everything waterfront living has to offer.
This home is well-equipped for comfort and efficiency, featuring a cargo lift servicing all three levels, impact screens and storm protection, two newer A/C units (2020 & 2024), a new roof (2023), 20 paid-off solar panels (highest power bill only 98 dollars!), a new hot water heater, and homeowners insurance at just 2, 323 dollars per year. The garage offers abundant storage, parking for 5+ vehicles, 12 FT TALL GARAGE DOOR which allows plenty of space for boat and rv parking, a second-story storage loft with an interior lift. The oversized side yard has plenty of room for an RV.
Built on pilings with breakaway walls, this home combines coastal resilience, energy efficiency, and a true waterfront lifestyle.

Hernando Beach is a vibrant waterfront community that offers the best of coastal living—boating, kayaking, paddleboarding, fishing, and more. Just minutes from the world-famous Weeki Wachee Springs, residents also enjoy close proximity to shopping, dining, hospitals, and top-rated schools. The community is golf cart friendly and allows short-term rentals with no HOA, no deed restrictions, making it perfect for full-time residents, part-time snowbirds, or investors. The Suncoast Parkway offers easy commuting to Tampa, Brooksville, and beyond.

Don't miss this exceptional Hernando Beach opportunity—where every sunset is a masterpiece!

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Coastal, Elevated
  • Year Built: 2003
  • Garage: 5-car RV Garage, RV Parking
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,567
  • Acreage: 0.18
  • Est. Taxes: $6,505
  • Lot Desc: Cleared, Flood Insurance Required, FloodZone, Irregular Lot, Near Marina, Near Public Transit, Oversized Lot, Street Dead-End
  • View: Water
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8439948
  • Days on Market: 55 days
  • Website: https://www.raveis.com
    /prop/TB8439948/3280gulfwindscircle_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 12/20/2025 11:39:43 PM)
Listing courtesy of JT REALTY & ASSOCIATES   Phone: 352-279-2640

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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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3280 GULF WINDS CIRCLE, Hernando Beach, FL, 34607

$900,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $720,000 $720,000 $720,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.316% 6.110% 5.972%
Monthly Tax Payment $542 $542 $542
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,088 $4,317 $5,979
Total Monthly Payment $4,722 $4,951 $6,613

* 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.