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Enjoy true Florida waterfront living in this completely remodeled 3-bedroom, 2-bath home situated on an oversized 8, 600 SF lot with 77 feet of concrete seawall and direct Gulf access—just minutes to open water. Boating enthusiasts will appreciate the new concrete seawall cap, floating wood dock, dual davits with boat carrier, and waterside washing station with electric and water.
The interior features a desirable split and open floor plan with luxury wood-look vinyl plank flooring throughout. The updated kitchen showcases gray shaker cabinetry, quartz countertops, stainless steel appliances, and plantation shutters, flowing seamlessly into the living area for effortless entertaining.
Two guest bedrooms share a beautifully remodeled bathroom with a walk-in shower, glass enclosure, and quartz-topped vanity. The private primary suite is located at the far end of the home and includes a walk-in closet, spa-style shower with glass enclosure, and marble-topped vanity.
Additional living space is found in the enclosed 480 SF rear porch, offering a flexible office and bonus entertainment area, all overlooking the screened concrete pool with pavered deck. Outdoor features continue with a fully fenced yard, concrete waterside seating area, two storage sheds, and ample parking with a paved driveway accommodating 6+ vehicles.
Major updates include a new roof (2024), impact windows (2022–2023), new water heater (2023), central AC (2016), plus two mini-split systems (primary bedroom 2024, rear bonus room 2025). The screened 2-car garage with interior laundry room adds convenience and storage. These upgrades contribute to low homeowners insurance at approximately 1, 747 dollars annually.
This exceptional Gulf-access pool home offers the perfect blend of comfort, boating lifestyle, and outdoor living—ideal as a primary residence, vacation home, or waterfront investment. This property has FHA transferable loan of 2. 99% for 225k.
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.
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Our Executive Mortgage Banker:
Our Insurance Division:
$575,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $460,000 | $460,000 | $460,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $282 | $282 | $282 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,721 | $2,795 | $3,728 |
| Total Monthly Payment | $3,095 | $3,169 | $4,102 |
* 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.