3185 ROSE ARBOR DRIVE, Hernando Beach, FL, 34607 | $425,000

BUILT IN 2025, this extraordinary MODERN ELEVATED COASTAL RETREAT in beautiful Hernando Beach offers AMAZING GULF VIEWS, a spectacular ROOFTOP SUN DECK, COMMERCIAL-STYLE CHEF'S KITCHEN, relaxing HOT TUB, and an entire PRIVATE PRIMARY SUITE FLOOR designed for luxury coastal living. A local contractor has already been hired to ADD A SEAWALL AT THE SELLER'S EXPENSE.

Perfectly positioned on a peaceful CUL-DE-SAC, this stunning waterfront home combines upscale design, breathtaking sunsets, and the ultimate Florida boating lifestyle. From the moment you arrive, you'll appreciate the elevated coastal architecture featuring IMPACT WINDOWS & DOORS, LUXURY VINYL FLOORING, upscale finishes, and expansive outdoor living spaces designed to maximize panoramic WEST-FACING WATER VIEWS.

The OPEN GREAT ROOM FLOOR PLAN is designed for entertaining and effortless indoor-outdoor living with soaring ceilings, abundant natural light, and seamless flow throughout the living, dining, and kitchen areas. The spacious family room features a modern ELECTRIC FIREPLACE and opens to a large second-floor waterfront porch complete with a HOT TUB overlooking the canal. One of the home's most impressive features is the incredible ROOFTOP SUN DECK offering breathtaking panoramic views of Hernando Beach, the Gulf, and unforgettable Florida sunsets.

The heart of the home is the spectacular COMMERCIAL-STYLE CHEF'S KITCHEN featuring COMMERCIAL-GRADE APPLIANCES, oversized island, QUARTZ COUNTERTOPS, custom wood cabinetry, designer backsplash, built-in microwave, breakfast bar, unique built-in dishwasher design, and an incredible 8-BURNER GAS COOKTOP WITH DOUBLE OVENS. A full-size side-by-side commercial-style refrigerator and freezer, custom hood, and expansive prep space make this kitchen both luxurious and functional.

The thoughtfully designed SPLIT FLOOR PLAN provides privacy and comfort for family and guests. A spacious guest bedroom and laundry room are conveniently located on the second floor. Beautiful NATURAL WOOD STAIRS lead to the entire third-floor PRIMARY SUITE RETREAT -- a private sanctuary with its own PRIVATE PORCH and spectacular water views. The spa-inspired PRIMARY BATHROOM features a CUSTOM VANITY, designer sinks, modern FREE-STANDING SOAKING TUB, and upscale finishes throughout. An additional FREE-STANDING SOAKING TUB in the downstairs bathroom adds luxury and convenience for guests.

Additional highlights include a 12-FOOT-HIGH 4-CAR CARPORT, RV PARKING WITH ELECTRIC HOOKUP, HYBRID WATER HEATER, abundant covered parking, and exceptional outdoor entertaining areas. Current insurance costs are exceptionally reasonable for waterfront living with FLOOD INSURANCE 2, 446 per year and HOMEOWNERS INSURANCE 2, 766 per year. The property is located on a high street and had NO IMPACTS FROM HURRICANE HELENE. FURNITURE IS NEGOTIABLE. Property has 81 ft of waterfront and plenty of room for a future pool.

Located in the vibrant HERNANDO BEACH WATERFRONT COMMUNITY offering BOATING, KAYAKING, PADDLEBOARDING, FISHING, AND DIRECT GULF ACCESS. Minutes from Weeki Wachee Springs State Park, plus nearby SHOPPING, DINING, AND MEDICAL FACILITIES. The area is GOLF CART FRIENDLY, allows SHORT-TERM RENTALS, and has NO HOA OR DEED RESTRICTIONS, making it ideal for FULL-TIME LIVING, A VACATION HOME, OR A HIGH-PERFORMING INVESTMENT PROPERTY. RARE, ICONIC, AND UNLIKE ANYTHING ELSE ON THE MARKET!

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Style: Elevated
  • Year Built: 2025
  • Heating: Electric, Heat Pump, Other
  • Cooling: Mini-Split Unit(s)
  • Approx Sq. Feet: 1,296
  • Acreage: 0.13
  • Est. Taxes: $871
  • Lot Desc: Cleared, Cul-De-Sac, Flood Insurance Required, FloodZone, Near Marina, Near Public Transit
  • View: Water
  • Water Front: Yes
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8507962
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/TB8507962/3185rosearbordrive_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 5/20/2026 5:17:51 AM)
Listing courtesy of JT REALTY & ASSOCIATES   Phone: 352-279-2640

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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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3185 ROSE ARBOR DRIVE, Hernando Beach, FL, 34607

$425,000

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 $340,000 $340,000 $340,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.634% 6.890% 6.078%
Monthly Tax Payment $73 $73 $73
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,093 $2,205 $2,846
Total Monthly Payment $2,241 $2,353 $2,994

* 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.