CENTURY 21 Edge

3245 GULF COAST DRIVE, HERNANDO BEACH, FL, 34607

Active11 days on marketListed Oct 2, 2026MLS #O6446678

✦ Priced 4% below the HERNANDO BEACH 34607 medianWaterfrontHERNANDO BEACH

About this home

3245 GULF COAST DRIVE

Own a rare piece of Florida's Gulf Coast on this direct-access waterfront homesite in the sought-after boating community of Hernando Beach. Set on the deep-water canal system with approximately 80 feet of canal frontage and an existing seawall, this lot delivers what waterfront buyers wait for — quick, direct access to the open Gulf of Mexico via the Hernando Beach canal system, with no fixed bridges and no long canal rides between you and the water. SURVEY available for review. This buildable, cleared single-family homesite is a blank canvas for your custom coastal home or elevated Key West–style retreat, zoned R-1B residential and situated in one of Hernando Beach's established canal neighborhoods surrounded by well-kept waterfront homes. The seawall is already in place — a significant head start and cost savings for a new build. With no HOA, you have the flexibility to build, invest, or hold, and short-term rentals are permitted in the community. Construction follows the area's standard coastal elevation requirements (AE flood zone), consistent with the waterfront homes throughout the neighborhood. Ideally located just minutes from marinas, waterfront restaurants and bars, the public boat ramp, and the Hernando Beach Yacht Club, and about an hour from Tampa International Airport, this is a prime position on the Nature Coast. Drop your boat in the backyard and you're minutes from the flats, the sandbar, and some of the best fishing and scalloping the Nature Coast has to offer. Whether you're ready to build your dream home now or looking to secure a scarce direct-access waterfront lot while values climb, opportunities like this — with seawall already in place — are increasingly hard to find in Hernando Beach. For additional site information and details, contact the listing agent.

Facts & features

The home at a glance

0.13 ac

Lot size

WaterfrontWater viewPets allowed

Inside

Outside & construction

ViewWater
FacesEast

Community & fees

Taxes (2025)$2,326/yr
PetsYes

Utilities & systems

UtilitiesOther
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,379 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,883
FHA mortgage insurance (est.)$141
Property tax — 2025 actual bill$194
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,197Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,197
Interest rate6.00%
Loan term

Estimated payment

$2,379/mo

Principal & interest$1,883
FHA mortgage insurance (est.)$141
Property taxes (actual bill)$194
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Hernando Beach

Get to know Hernando Beach. See the full Hernando Beach guide →

HERNANDO BEACH 34607 — neighborhood snapshot

Population

9,046

Median age

55.7

Median income

$61,221

Median home value

$343,100

Avg household

2.3

Households w/ children

740

For the school run

Hernando County School District

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle School★★★★★
HighWeeki Wachee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando Beach market

Seller’s marketBalanced — 5.7 months of inventoryBuyer’s market

$453K → $500K

Hernando Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 4% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Oct 2, 2026Listed at $319,900 · 11 days on market since

Reality check

What actually sold near 3245 GULF COAST DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3178 SEA GRAPE DRIVESold · Apr ’26

$290,000

3178 SEA GRAPE DRIVE · same community

2 bd · 2 ba · 823 sqft · $352/sqft · 564 DOM

4208 DES PREZ COURTSold · Jun ’26

$500,000

4208 DES PREZ COURT · same community

2 bd · 2 ba · 1,435 sqft · $348/sqft · 51 DOM

3363 POINSETTIA DRIVESold · Feb ’26

$495,000

3363 POINSETTIA DRIVE · same community

3 bd · 2 ba · 1,440 sqft · $344/sqft · 0 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Shawn Lewis

Your agent

Shawn Lewis

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 3245 GULF COAST DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3245 GULF COAST DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3245 GULF COAST DRIVE FAQs

What would the monthly payment be for 3245 GULF COAST DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,379/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 3245 GULF COAST DRIVE?+

The most recent tax bill on record (2025) was $2,326. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3245 GULF COAST DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Hernando Beach?+

At $319,900, this home is listed about 36% below the Hernando Beach median of $500,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3245 GULF COAST DRIVE?+

Westside Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LIFESTYLE INTERNATIONAL REALTY · William Nilson. MLS #O6446678.

IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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