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1578 INDIAN BAY ROAD, Spring Hill, FL, 34607 | $450,000
A rare find on Florida's Nature Coast! Nestled between Aripeka and Hernando Beach, 1578 Indian Bay Road
offers the perfect blend of Old Florida charm, waterfront lifestyle, and modern updates. Aripeka, a historic 120-
acre angler's paradise once visited by legends such as Babe Ruth and Jack Dempsey, and nearby Hernando
Beach provide a unique coastal setting unlike anywhere else in the Tampa Bay area. Enjoy peaceful nights
under star-filled skies while remaining conveniently close to everything you need - shopping, waterfront dining,
beaches, breweries, and local attractions are all just a short drive away. This hidden gem delivers beautiful
sunsets, privacy, and the tranquility of nature without sacrificing convenience.
Originally built in 1979 and beautifully modernized in 2025, this 3-bedroom, 2-bath home features an open concept layout filled with natural light, plus a hidden office/den for a fun and unique touch. Luxury vinyl plank flooring flows throughout the main living areas, with ceramic tile in the bathrooms. Additional interior features include ceiling fans throughout, solid wood cabinetry, quartz countertops, and updated finishes
throughout the home. Major 2025 updates include a new water heater, HVAC system, septic pump with alarm, garage door, kitchen appliances, electrical breakers, plumbing above the slab, nearly all windows and doors, plus fresh interior and exterior paint. Step outside to a screened-in patio spanning the length of the home, overlooking a fenced backyard with mature landscaping designed for both privacy and shade from the Florida sun. Located across from the canal and just down the road from the community boat ramp, this property is ideal for boating and fishing enthusiasts. Nearby grass flats, tidal inlets, and marshes are well known for trophy redfish, snook, and spotted sea trout. Experience the best of Florida living in this truly special coastal retreat.
Features
- Rooms: 10
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 120 x 210
- Laundry: In Garage
- Style: Ranch
- Year Built: 1979
- Garage: 2-car Circular Driveway, Driveway, RV Parking
- Heating: Central, Electric, Heat Pump
- Cooling: Central Air
- Approx Sq. Feet: 1,608
- Acreage: 0.55
- Lot Size: 120 x 210
- Est. Taxes: $4,789
- Lot Desc: Flood Insurance Required, FloodZone, In County, Landscaped, Level, Street Dead-End
- View: Trees/Woods
- Elem. School: Westside Elementary-HN
- Middle School: Fox Chapel Middle School
- High School: Weeki Wachee High School
- Pet Policy: Yes
- Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Wine Refrigerator
- MLS#: TB8513638
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/TB8513638/1578indianbayroad_springhill_fl?source=qrflyer
Listing courtesy of CENTURY 21 LIST WITH BEGGINS Phone: 813-658-2121
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
1578 INDIAN BAY ROAD, Spring Hill, FL, 34607
$450,000
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 | $360,000 | $360,000 | $360,000 |
| 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 | $399 | $399 | $399 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,156 | $2,246 | $2,965 |
| Total Monthly Payment | $2,630 | $2,720 | $3,439 |
* 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