3423 PALOMETA DRIVE, Hernando Beach, FL, 34607 | $625,000

Experience elevated coastal living in this exceptional three-story residence, perfectly situated on a quiet cul-de-sac with a private boat ramp and boat-lift access leading directly to the Gulf of America. Designed for those who appreciate refinement, privacy, and the effortless beauty of Florida’s waterfront lifestyle, this three-bedroom, two-and-a-half-bath home delivers a rare blend of sophistication and comfort.

A private floating dock invites endless days on the water, while the expansive master suite offers a nightly retreat with breathtaking sunset views from your own balcony—an intimate vantage point overlooking the Gulf’s shimmering horizon.

Inside, the home showcases a fully updated gourmet kitchen appointed with granite countertops, stainless steel appliances, and solid wood cabinetry. Luxury flooring, ceramic tile, and plush carpeting flow throughout the interior, complemented by a cozy fireplace and the convenience of interior laundry, a tankless water heater, and a whole-house water softener system.

Outdoors, the property transforms into a private resort. The heated saltwater pool is enhanced with elegant lighting, creating a serene ambiance for evening swims or weekend entertaining. A newly installed irrigation system maintains the lush surroundings with ease, while the conservation area nearby the property ensures lasting privacy and a peaceful natural backdrop.

The oversized two-car garage provides generous storage, and the home’s three-story design offers both functionality and architectural presence.

Whether you’re seeking a seasonal sanctuary or a full-time luxury residence, this property embodies the essence of upscale Florida living—waterfront access, refined finishes, and a lifestyle defined by comfort, beauty, and coastal elegance

Features

  • Rooms: 14
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 75 x 100
  • Laundry: Inside, Laundry Closet, Upper Level
  • Style: Contemporary
  • Year Built: 2009
  • Garage: 2-car Garage Door Opener, Ground Level, Oversized, Parking Pad, Split Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,976
  • Acreage: 0.17
  • Lot Size: 75 x 100
  • Est. Taxes: $5,622
  • HOA Fee: $265 Annually
  • Lot Desc: Cul-De-Sac, Near Marina
  • View: Water
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Pool: Heated, In Ground, Lighting, Salt Water
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer, Water Softener
  • MLS#: W7882272
  • Days on Market: 29 days
  • Website: https://www.raveis.com
    /prop/W7882272/3423palometadrive_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 2/25/2026 6:05:48 AM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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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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3423 PALOMETA DRIVE, Hernando Beach, FL, 34607

$625,000

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 $500,000 $500,000 $500,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.120% 5.541%
Monthly Tax Payment $469 $469 $469
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,800 $2,995 $4,019
Total Monthly Payment $3,360 $3,555 $4,579

* 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.