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4384 4TH ISLE DRIVE, Hernando Beach, FL, 34607 | $515,000
5 MINUTES TO THE OPEN GULF | 90' OF WATERFRONT | PRIVATE BOAT RAMP | LOT + A HALF. Welcome to the kind of coastal living people move to Florida for DIRECT GULF ACCESS! Tucked away on a quiet cul-de-sac in HERNANDO BEACH, this WATERFRONT home gives you something almost no one else has — your very own PRIVATE BOAT RAMP. Launch your boat straight from your backyard and be cruising through the canal to the OPEN GULF in just minutes. No waiting at public ramps. No hauling back and forth. Just lower it in and go. With 90 FEET OF WATERFRONT and sitting on a LOT AND A HALF, you get more space, more privacy, and more room to actually enjoy the outdoors. That extra land is rare out here — and you feel it immediately. The backyard is where this home really shines. A FLOATING DOCK + SEAWALL WITH CAP + A FENCED DOG RUN + A HUGE SIDE YARD WITH PAVERS + A FIREPIT + GARDEN AREA And your very own TIKI HUT!!!! Yes. A real tiki hut. The kind where sunset drinks just taste better. ???? Inside, the home is solid and thoughtfully updated with a NEW ROOF (2024), NEW HOT WATER HEATER (2025), ALL NEW KITCHEN APPLIANCES (2024), DUAL PANE WINDOWS, TILE FLOORING THROUGHOUT, and CEMENT BOARD WALLS — a huge plus for durability and peace of mind in a waterfront property. This community is golf-cart friendly, laid-back, and exactly what Hernando Beach is known for. No HOA. No short-term rental restrictions. Whether you want a full-time coastal home, a weekend escape, or an income-producing waterfront property — you have options here. And then there's the lifestyle. Evenings at Brian's Place + Lunch at The Lazy Lizard + Morning coffee at the local coffee cafe + Live music at the tiki bar. Hop in the car and you're a short drive to the Weeki Wachee River, Rogers Park, and Pine Island Beach. Kayaking, paddleboarding, scalloping season, sunset cruises — this is everyday life here. This isn't just waterfront. This is Gulf access in minutes. This is launch-from-your-own-backyard living. This is Hernando Beach done right.
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
- 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: 52 days
- Website: https://www.raveis.com
/prop/W7882944/43844thisledrive_hernandobeach_fl?source=qrflyer
Listing courtesy of MERIDIAN REAL ESTATE Phone: 352-585-6317
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.
Customer Service
888.699.8876
Contact@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.
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
- 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
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@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
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
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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** | 5.875% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.431% | 5.668% |
| Monthly Tax Payment | $85 | $85 | $85 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,437 | $2,537 | $3,339 |
| Total Monthly Payment | $2,614 | $2,714 | $3,516 |
* 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