3185 ROSE ARBOR DRIVE, Hernando Beach, FL, 34607 | $435,000

Newly Built Waterfront Key West Style Paradise Home in beautiful Hernando Beach can now be your dream home with spectacular water views from sunrise to sunset! Home has No HOA, No CDD and No Rental Restrictions. Discover this charming split 2-bedroom, 2-bath, waterfront with Gulf of America views and access is available via boat lift. Inside, you'll find 1, 296 sq. ft. of living space. The home offers an open floor plan of the kitchen, living room and dining room that are all on the 1st floor. The amazing kitchen has a commercial grade 48” Forno Double Ovens with 8 Gas Burners, Forno side by side Refrigerator, quartz countertops, a stylish new backsplash, a hybrid water heater that costs less than $10/monthly. The large Primary bedroom is 13’ x 21’ with sliding glass doors leading to the 10’ x 29’ fiberglass deck that offers stunning west-facing water views—ideal for soaking in peaceful Florida sunsets. The master bathroom is 10’ x 10’ with a soaking tub and has a separate shower. This home has Rockwool Insulation which is sound proof insulation and fire resistant, all lighting is LED, energy-efficient mini split units throughout. Land is 10’ above sea level and the home is 22’ above sea level. There's ample storage available under the open ground floor area to put your automobile, boat, kayaks and enough room to park an RV or a large boat, etc. Located close to great dining, entertainment, and just minutes from US 19, SR 50, Pine Island, Roger’s Park, and the famous Weeki Wachee Springs and Buccaneer Bay. Only about 45 minutes from Tampa International Airport and just an hour from the world-renowned Clearwater Beach. Call today to view this waterfront beauty before it’s gone!

Features

  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Washer Hookup
  • Style: Coastal, Contemporary, Custom, Elevated
  • Year Built: 2025
  • Garage: Driveway, Ground Level, Under Building
  • Heating: Heat Pump, Propane
  • Cooling: Mini-Split Unit(s)
  • Approx Sq. Feet: 1,296
  • Acreage: 0.1
  • Est. Taxes: $871
  • Lot Desc: Cul-De-Sac, Near Marina, Near Public Transit, Street Dead-End
  • View: Water
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Other, Range, Range Hood, Refrigerator, Washer
  • MLS#: W7880816
  • Days on Market: 46 days
  • Website: https://www.raveis.com
    /prop/W7880816/3185rosearbordrive_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 3/19/2026 12:47:07 PM)
Listing courtesy of Dalton Wade Inc   Phone: 888-668-8283

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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
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Our Insurance Division:

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3185 ROSE ARBOR DRIVE, Hernando Beach, FL, 34607

$435,000

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 $348,000 $348,000 $348,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.508% 5.794%
Monthly Tax Payment $73 $73 $73
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,086 $2,171 $2,843
Total Monthly Payment $2,234 $2,319 $2,991

* 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.