CENTURY 21 Edge
$149,000$165,000$1,211 /mo all-in ↓

3314 FERNLEAF DRIVE, HERNANDO BEACH, FL, 34607

Active355 days on marketListed Aug 8, 2025MLS #TB8415551

Priced 54% below the HERNANDO BEACH 34607 medianReduced $16KWaterfrontHERNANDO BEACH 14

About this home

3314 FERNLEAF DRIVE

NEW PRICE!!! Seller could be open to owner financing. Hernando Beach is a waterfront community that blends laid-back coastal living with convenient access to local services. This is a double-lot offers exceptional value and space compared to the single-lot parcels common in the area, giving you more square footage and wider canal frontage. A solid seawall is in place about 80', along with a permanent dock that can accommodate two boats. This is a boating and fishing paradise tucked away offering access to open Gulf waters, mangroves, and the pristine Weeki Wachee Preserve directly across the street with thousands of acreage. You will be able to wake up to the sunrising over the lakes from the Preserve and catch west coast sunsets. The town has recently been approved to drive your golf cart around and visit the popular local restaurants and entertainment. NO HOA or CDD FEES OR DEED RESTRICTIONS! Freedom with options to rent long or short term when you build a house. The property is already has the expensive structures in place that many vacant lots do not include. Pavers were installed three years ago, and the fenced yard includes a wide gate for easy access with trailers or heavy equipment during construction. The lot is approximately 82' x 100'. The property has public water service already brought to the lot corner, complete with an outdoor spigot, an expense that has already been taken care of for you. Soil testing has also been completed, and those reports are available upon request to review. These improvements save you considerable time and money in the building process. The rear of the property faces east toward the beautiful Weeki Wachee Preserve, providing peaceful natural views and stunning sunrises. The front of your future home would face west toward the neighborhood and the Gulf. The canal location offers vessel access to the Gulf; simply navigate to the boat lift, pass through the canal and under an overpass, and you will be on route to open waters. On your way in or out, you can stop at the nearby marina, which offers a bait and tackle shop, ice, boating supplies, and an open-air waterfront restaurant where you can relax with food and drinks. This property is looking for an owner to build their coastal dream home. You will enjoy your future elevated dream home to overlook the untouched beauty of the Weeki Wachee Preserve, which features lakes and hiking / walking trails. Morning light over the preserve and walk down 6 blocks to the end of Hermosa for unobstructed Hernando Beach sunsets. Hernando Beach is popular among boaters, anglers, kayakers, and wildlife enthusiasts with snook, redfish, plenty of fishing in gulf or mangroves, sights of manatees, dolphins, blue claw crabs, bald eagles, and osprey is part of the marine scenery here. Visit the nearest public beach at Pine Island or Rogers Park for sand, playground. Looking for paradise however not far from modern conveniences of shopping of the big box stores, Home Goods, TJMaxx, Publix, Walmart are all less than 10 min drive and Tampa International Airport less than an hour, travel easy for residents and visitor. Let's not forget Walt Disney is about 1.5 hour drive. For those who value serenity, water recreation, and being surrounded by water, sunsets, nature and close to all is how this town was planned. Don't wait to make this yours.

Facts & features

The home at a glance

0.2 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesWest

Community & fees

Taxes (2024)$1,295/yr
PetsCats OK, Dogs OK
CommunityCanal Front · Community Boat Ramp · Fishing · Curbs · Golf Carts OK

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available · Water Connected
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.

$1,211 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$877
FHA mortgage insurance (est.)$66
Property tax — 2024 actual bill$108
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,215Loan30-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% · $5,215
Interest rate6.00%
Loan term

Estimated payment

$1,211/mo

Principal & interest$877
FHA mortgage insurance (est.)$66
Property taxes (actual bill)$108
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

Map of 3314 FERNLEAF DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)72 min
Downtown Tampa75 min

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

MiddleFox Chapel Middle School★★★★
ElementaryDeltona Elementary 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 marketBalanced5.8 months of inventoryBuyer’s 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 54% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $149,000 $16K
Aug 8, 2025Listed at $165,000 · 355 days on market since

Reality check

What actually sold near 3314 FERNLEAF 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

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

3393 POINSETTIA DRIVESold · Jun ’26

$330,000

3393 POINSETTIA DRIVE

2 bd · 1 ba · 912 sqft · $362/sqft · 247 DOM

3251 SHOAL LINE BOULEVARDSold · Sep ’25

$245,000

3251 SHOAL LINE BOULEVARD

3 bd · 2.5 ba · 1,134 sqft · $216/sqft · 146 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3314 FERNLEAF 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 3314 FERNLEAF DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3314 FERNLEAF DRIVE FAQs

What would the monthly payment be for 3314 FERNLEAF DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,211/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 3314 FERNLEAF DRIVE?+

The most recent tax bill on record (2024) was $1,295. 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 3314 FERNLEAF DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $149,000, this home is listed about 73% 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 3314 FERNLEAF DRIVE?+

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

$149,000 is 54% 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

355 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 $165,000, now $149,000 — a $16K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Brandon Rimes. MLS #TB8415551.

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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3314 FERNLEAF DRIVE, HERNANDO BEACH, FL — $149,000 | CENTURY 21 Edge