3351 POINSETTIA DRIVE, Hernando Beach, FL, 34607 | $650,000

Under contract-accepting backup offers. Welcome to your elevated slice of coastal paradise in Hernando Beach—a beautifully updated stilt pool home designed for effortless waterfront living and laid-back Gulf Coast vibes.

This 3-bedroom, 2-bathroom home, built in 2020, delivers peace of mind with newer construction, modern building standards, and hurricane-resilient features that today’s buyers demand. Step inside to an open-concept floor plan filled with natural light, clean lines, and upscale finishes throughout—perfect for both relaxing and entertaining.

The outdoor space is where this home truly shines. The expansive backyard is centered around a stunning 12x30 swimming pool complete with a sunshelf and elegant travertine decking—your own private resort. Just beyond, enjoy 62 feet of concrete seawall and an 8x16 floating dock on a spring-fed freshwater canal. Whether you're launching a kayak, paddleboard, or small boat, or simply casting a line from your dock, this is Florida waterfront living at its finest. (Indirect Gulf access via lift and fixed bridge. )

Inside and out, the home is loaded with thoughtful upgrades:

Whole-house impact and thermal windows with Cat 5 hurricane screens on the upstairs lanai
Granite kitchen countertops, composite sink, and Moen fixtures
Stacked stone kitchen island with LED lighting
Limestone backsplash with under-cabinet lighting
Quartz bathroom vanities with premium fixtures
Updated master shower tile
Trex composite front deck and stairs

Located in the desirable middle section of Hernando Beach, there’s no HOA—giving you the flexibility for short-term rentals and the freedom to store your boat, RV, trailer, or work vehicles right at home. Ideal for those who love kayaking, paddleboarding, and smaller watercraft, or anyone seeking affordable waterfront living without compromise.

Life in Hernando Beach is unlike anywhere else. Tucked along the Gulf Coast and accessible by a quiet coastal road, this hidden gem is all about boating, fishing, and a relaxed Old Florida lifestyle. Cruise the scenic canal system out toward the Gulf, explore nearby hotspots like the Weeki Wachee River with its crystal-clear 74° spring waters, or head south to the iconic Anclote Key Preserve State Park for pristine beaches and island adventures.

From inshore fishing for redfish and snook to offshore runs for grouper and snapper, this area is a dream for anglers and boaters alike. And when you're back on land, enjoy local marinas, waterfront dining, tiki bars, and seafood markets that give Hernando Beach its unmistakable coastal charm.

Despite its secluded feel, you’re just minutes from everyday conveniences—shopping, dining, hospitals, and major routes—plus about an hour to Tampa International Airport.

If you’ve been searching for a home that captures the essence of coastal living—where every day feels like a getaway—this is it.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 62 x 100
  • Laundry: Laundry Room
  • Year Built: 2020
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,651
  • Acreage: 0.14
  • Lot Size: 62 x 100
  • Est. Taxes: $5,504
  • View: Water
  • Water Front: Yes
  • Pool: Gunite, In Ground
  • Appliances: Dishwasher, Disposal, Range, Refrigerator
  • MLS#: W7885204
  • Days on Market: 18 days
  • Website: https://www.raveis.com
    /prop/W7885204/3351poinsettiadrive_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 5/18/2026 2:16:27 AM)
Listing courtesy of GULF COAST FISHING HOMES RLTY   Phone: 813-394-4356

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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

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3351 POINSETTIA DRIVE, Hernando Beach, FL, 34607

$650,000

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 $520,000 $520,000 $520,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.625% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.133% 6.739% 5.952%
Monthly Tax Payment $459 $459 $459
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,993 $3,330 $4,318
Total Monthly Payment $3,544 $3,881 $4,869

* 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.