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Presented by
Sestito Group |
4384 4TH ISLE DRIVE, Hernando Beach, FL, 34607 | $515,000
GULF ACCESS IN MINUTES | PRIVATE BOAT RAMP | 90' OF WATERFRONT | BUILT TO OUTLAST FLORIDA.
Let's talk about what actually matters in a waterfront home in Florida — how it's built and how it holds up. This 1971 home has been standing through decades of Florida weather while newer construction around it has come and gone. And when Hernando Beach flooded a few years back? MINIMAL IMPACT. Why? Because this home sits on an ELEVATED LOT, has CEMENT BOARD WALLS instead of drywall, and TILE FLOORING THROUGHOUT. There is no drywall to rot. No carpet to ruin. No soft walls to buckle. This is how waterfront homes should be built — and almost none of them are anymore.
Flood insurance is currently in place at $3, 800/year — that's $316/month for a WATERFRONT HOME WITH A PRIVATE BOAT RAMP ON THE GULF COAST OF FLORIDA. That number is known, it's locked in, and there are no surprises.
Now let's talk about why you're actually buying this one.
You get 90 FEET OF WATERFRONT on a LOT AND A HALF in a CUL-DE-SAC in HERNANDO BEACH — with your very own PRIVATE BOAT RAMP in the backyard. Not a community ramp. Not a public ramp. Yours. Launch your boat and be cruising through the canal to the OPEN GULF in 5 MINUTES. Scalloping season, offshore fishing, sunset cruises — this is your daily life now.
The backyard is the reason people fall in love with this one. FLOATING DOCK. SEAWALL WITH CAP. FENCED DOG RUN. HUGE PAVER SIDE YARD. FIREPIT. GARDEN AREA. And a real TIKI HUT where sunset drinks just hit different. The kind of backyard that makes your friends stop asking why you moved to Florida.
Inside — NEW ROOF (2024). NEW HOT WATER HEATER (2025). ALL NEW KITCHEN APPLIANCES (2024). DUAL PANE WINDOWS. TILE FLOORING THROUGHOUT. The bones are solid, the big tickets are done, and the CEMENT BOARD WALLS mean this home laughs at humidity.
The community is GOLF CART FRIENDLY with NO HOA and NO SHORT-TERM RENTAL RESTRICTIONS — use it as a full-time home, a weekend escape, or an income-producing waterfront rental. The flexibility is yours.
Evenings at Brian's Place. Lunch at The Lazy Lizard. Live music at the tiki bar. Morning coffee on the dock. Short drive to the WEEKI WACHEE RIVER, PINE ISLAND BEACH, and ROGERS PARK. Kayaking, paddleboarding, scalloping, fishing — pick your adventure.
This isn't just a waterfront home. This is GULF ACCESS from your own backyard. This is a home that has proven it can handle Florida. This is Hernando Beach done right.
?? 4384 4th Isle Drive, Hernando Beach FL | $515, 000 | Flood Insurance: $3, 800/yr
Features
- Rooms: 5
- Bedrooms: 2
- Baths: 2 full
- Laundry: In Garage
- Year Built: 1971
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,246
- Acreage: 0.21
- Est. Taxes: $1,020
- Water Front: Yes
- Elem. School: Westside Elementary-HN
- Middle School: Fox Chapel Middle School
- High School: Weeki Wachee High School
- Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- MLS#: W7882944
- Days on Market: 100 days
- Website: https://www.raveis.com
/prop/W7882944/43844thisledrive_hernandobeach_fl?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Sestito GroupSales Associates
SestitoGroup@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Scott PetersenVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 32556
339.224.0866
Scott.Petersen@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
Nicole DelaneyInsurance Sales Director, William Raveis Insurance
781.724.3515
Nicole.Delaney@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
4384 4TH ISLE DRIVE, Hernando Beach, FL, 34607
$515,000
Sestito Group
Sales Associates
William Raveis Real Estate
Phone: 781.383.0759
SestitoGroup@raveis.com
Scott Petersen
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 339.224.0866
Scott.Petersen@raveis.com
NMLS Mortgage Loan Originator ID 32556
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $412,000 | $412,000 | $412,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $85 | $85 | $85 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,468 | $2,570 | $3,394 |
| Total Monthly Payment | $2,645 | $2,747 | $3,571 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388