4977 CEDARBROOK LANE, HERNANDO BEACH, FL, 34607
Active267 days on marketListed Oct 28, 2025MLS #S5136809
About this home
4977 CEDARBROOK LANE
Prime Waterfront Lot – Hernando Beach, Florida. Discover the perfect opportunity to build your dream coastal home on this vacant waterfront lot located in the desirable Hernando Beach community. This exceptional property offers direct access to the Gulf of Mexico via a deep saltwater canal, making it ideal for boating enthusiasts, fishing and those seeking the true Florida waterfront lifestyle. There is no HOA associated with this property. Situated right on the canal, it's a very short waterway trip to the Gulf of Mexico with beautiful afternoons.
Facts & features
The home at a glance
0.13 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,453 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,453/mo
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando Beach market
$495K → $488K
Hernando Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
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.
Your agent
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4977 CEDARBROOK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4977 CEDARBROOK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4977 CEDARBROOK LANE FAQs
What would the monthly payment be for 4977 CEDARBROOK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,453/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 4977 CEDARBROOK LANE?+
The most recent tax bill on record (2024) was $1,092. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando Beach?+
At $189,990, this home is listed about 65% below the Hernando Beach median of $548,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4977 CEDARBROOK LANE?+
Fox Chapel Middle School (middle), Deltona Elementary School (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the HERNANDO BEACH 34607 market on paper
$189,990 is 42% below the HERNANDO BEACH 34607 median of $325,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
267 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $240,000, now $189,990 — a $50K cut. The full history is in the market section below.
Listing courtesy of CASA SANCHEZ REALTY LLC · Yanet Sanchez Tapia. MLS #S5136809.
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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