4365 4TH ISLE DRIVE, Hernando Beach, FL, 34607 | $799,000

"Pictures Inside Coming Soon" COASTAL LIVING AT ITS FINEST! Welcome to this beautifully UPDATED ELEVATED WATERFRONT HOME with DIRECT GULF ACCESS, perfectly positioned on an OVERSIZED CORNER LOT in one of Hernando Beach's most desirable CUL-DE-SAC locations. Boasting 147 FEET OF SEAWALL, expansive canal frontage, and a REAR WESTERN EXPOSURE for breathtaking Florida sunsets, this exceptional property delivers the ultimate waterfront lifestyle for boaters, anglers, kayakers, and nature lovers alike.
The oversized driveway provides ample space for your BOAT, RV, TRAILERS, GOLF CARTS, AND GUEST PARKING, while the oversized 2-CAR GARAGE offers abundant storage for all your coastal gear. The spacious backyard offers ROOM FOR A CUSTOM POOL and the perfect setting for outdoor entertaining or relaxing while enjoying peaceful water views and frequent wildlife sightings including dolphins and manatees.
Inside, the bright OPEN-CONCEPT GREAT ROOM features SOARING VAULTED CEILINGS, abundant natural light, and NEW LUXURY VINYL PLANK FLOORING throughout the main living area. The COMPLETELY RENOVATED KITCHEN is the centerpiece of the home with GRANITE COUNTERTOPS, WHITE SHAKER CABINETRY WITH CROWN MOLDING, STAINLESS STEEL APPLIANCES, a large breakfast bar, and seamless flow into the dining and living areas—ideal for entertaining.
Large BAY WINDOWS and SLIDING GLASS DOORS showcase stunning waterfront views and open to the SCREENED LANAI, creating effortless indoor-outdoor living perfect for enjoying morning coffee, evening cocktails, and Florida sunsets.
The primary suite features private lanai access, a WALK-IN CLOSET, and an ENSUITE BATH with a new DOUBLE-SINK VANITY and WALK-IN TILED SHOWER. The SPLIT FLOOR PLAN offers two additional guest bedrooms on the far end of the home, including one with a charming bay window and built-in bench. The guest bathroom has a tiled tub/shower combo with a NEW VANITY. Upstairs laundry with front-loading washer and dryer adds convenience.
The lower level offers incredible flexibility with AIR-CONDITIONED BONUS LIVING SPACE including a FULL BATHROOM, KITCHENETTE, and multiple FLEX AREAS ideal for a HOME OFFICE, MEDIA ROOM, GAME ROOM, FITNESS ROOM, GUEST SUITE, OR ENTERTAINING SPACE. Sliding glass doors lead to a covered waterfront patio and direct access to the backyard, seawall, and FLOATING DOCK.
This property offers very reasonable HOMEOWNERS INSURANCE of 1, 746 dollars per year for an owner occupant and new FLOOD INSURANCE of APPROX. 2, 827 dollars per year.
Located in the sought-after waterfront community of HERNANDO BEACH, this home offers QUICK DIRECT GULF ACCESS for boating, fishing, scalloping, kayaking, paddleboarding, and endless waterfront recreation. Hernando Beach is a vibrant coastal community known for its relaxed Florida lifestyle with GOLF CART ACCESS, NO HOA, NO DEED RESTRICTIONS, and SHORT-TERM RENTALS ALLOWED, making it ideal for full-time residents, snowbirds, and investors alike. Convenient access to marinas, waterfront dining, tiki bars, shopping, hospitals, top-rated schools, Weeki Wachee Springs, and the Suncoast Parkway provides easy commuting to Tampa and surrounding areas.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Closet, Upper Level
  • Style: Elevated
  • Year Built: 1996
  • Garage: 2-car Bath In Garage, Driveway, Golf Cart Parking, Oversized, RV Parking
  • Heating: Central, Wall Units / Window Unit
  • Cooling: Central Air
  • Approx Sq. Feet: 1,953
  • Acreage: 0.21
  • Est. Taxes: $3,031
  • Lot Desc: Cleared, Corner Lot, Cul-De-Sac, Flood Insurance Required, FloodZone, Near Marina, Near Public Transit, Oversized Lot
  • 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#: TB8525774
  • Website: https://www.raveis.com
    /prop/TB8525774/43654thisledrive_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 7/5/2026 9:17:08 AM)
Listing courtesy of JT REALTY & ASSOCIATES   Phone: 352-279-2640

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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4365 4TH ISLE DRIVE, Hernando Beach, FL, 34607

$799,000

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 $639,200 $639,200 $639,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $253 $253 $253
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,828 $4,036 $5,308
Total Monthly Payment $4,173 $4,381 $5,653

* 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.