CENTURY 21 Edge
$2,775,0004 bd4 ba4,816 sqft$576 /sqft$17,095 /mo all-in ↓

3236 GULF WINDS CIRCLE, HERNANDO BEACH, FL, 34607

Active8 days on marketListed Aug 21, 2026MLS #TB8540476

WaterfrontPrivate poolSingle Family ResidenceGULF COAST

About this home

3236 GULF WINDS CIRCLE

Experience elevated coastal luxury in this stunning three-story all-concrete Mediterranean estate offering four bedrooms, four full baths, a five-car garage and a beautiful heated salt pool, all positioned on an oversized lot directly on the Gulf with unobstructed picturesque water views. An elegant double spiral staircase and water fountain lead to a grand double wooden entry door outfitted with wrought iron that sets the tone for the exceptional craftsmanship and opulence found throughout. This property was constructed to the highest standards with insulated concrete forms, concrete flooring and balconies with steel truss reinforcement, hurricane-rated windows, cast-in-place concrete walls and 45-foot-deep foundation pilings for added structure and longevity. The main living level features eye-catching open water views as you enter, gorgeous travertine flooring, recessed lighting and an oversized family room showcasing a beautifully detailed soaring coffered ceiling. The ornate mantle features a gas fireplace that creates a warm focal point, while a wall of sliding glass doors and transom windows provides abundant water views, natural light, serene sunsets and seamless access to the outdoor balcony living space. A sophisticated wet bar, built-in surround sound and versatile office or fourth bedroom, with glass French door balcony access, further enhance the living experience. The gourmet kitchen is well appointed with custom solid wood cabinetry, a JennAir gas cooktop with built-in double ovens, a kitchen island with a prep sink, three separate spacious pantries, granite countertops, a breakfast area overlooking the water and adjacent formal dining with an accent tray ceiling. A dedicated media room with a 120-inch projection screen coupled with surround sound provides the perfect space for movie nights and entertainment. The third floor is a private retreat with three separate suites, adorned with Brazilian hardwood flooring throughout. The lavish primary suite features sliding glass doors opening to a covered private balcony with endless water views. The spa-inspired primary bath features his-and-hers walk-in closets, split vanities, a walk-in shower with marble accents and an exquisite jetted soaking tub framed by decorative columns. Two additional suites offer privacy and comfort, with one having sliding glass doors leading to its own private covered balcony. Outside, enjoy an oversized heated saltwater pool and spa while taking in the panoramic water views. Ample backyard space is outfitted with an elevated sense of privacy, a firepit and stairs leading directly into Gulf waters, making water activities achievable. Additional features include a new elevator that connects every level, making multi-generational living achievable; split-zoned HVAC; two tankless gas water heaters; a security camera system; and a central vacuum. Conveniently located nearby are Weeki Wachee Springs State Park, Rogers Park, Pine Island Park and SunWest Park. Residents also enjoy nearby local one-of-a-kind dining and entertainment, marinas, waterfront attractions and shopping, while larger destinations such as Spring Hill, Tarpon Springs and the Tampa Bay area are within a comfortable drive. Hernando Beach offers a peaceful waterfront setting with an abundance of recreational amenities and local festivities along with everyday modern conveniences nearby.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,816

Sqft

0.3 ac

Lot size

5

Garage

2010

Year built

Three Or More

Levels

$576

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Travertine · Hardwood
AppliancesBar Fridge · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Freezer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Trash Compactor · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Coffered Ceiling(s) · Eating Space In Kitchen · Elevator · High Ceilings · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryGas Dryer Hookup · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofMembrane · Tile
ConstructionConcrete · ICFs (Insulated Concrete Forms) · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingCircular Driveway · Garage Door Opener · Ground Level · Oversized · Split Garage · Tandem · Under Building
ExteriorBalcony · Fire Pit · French Doors · Irrigation System · Lighting · Outdoor Grill · Sliding Doors

Community & fees

Taxes (2025)$11,053/yr
PetsCats OK, Dogs OK, Yes
CommunityMarina · Public Boat Ramp · Golf Carts OK

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Propane · Public · Sewer Connected · Street Lights · 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.

$17,095 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$14,974
PMI (est., until 20% equity)$1,041
Property tax — 2025 actual bill$921
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $277,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $277,500
Interest rate6.00%
Loan term

Estimated payment

$17,095/mo

Principal & interest$14,974
PMI (est., until 20% equity)$1,041
Property taxes (actual bill)$921
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Hernando Beach actives

$576 vs $350

Days on market

8 vs 41 typical

Where $576/sqft sits among the 53 Hernando Beach actives

10
17
11
6
5
4 · this home
$216–283$283–350$350–417$417–485$485–552$552+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

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 marketLeans seller5.0 months of inventoryBuyer’s market

$453K$500K

Hernando Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

21 of 53

Hernando Beach actives have cut their price

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

This home is listed 725% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Aug 21, 2026Listed at $2,775,000 · 8 days on market since
2010Built · GULF COAST

Reality check

What actually sold near 3236 GULF WINDS CIRCLE

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

3402 AMBERJACK DRIVESold · Sep ’25

$550,000

3402 AMBERJACK DRIVE

3 bd · 2 ba · 2,896 sqft · $190/sqft · 58 DOM

3496 GULFVIEW DRIVESold · Jul ’26

$1,190,000

3496 GULFVIEW DRIVE

3 bd · 3 ba · 2,750 sqft · $433/sqft · 81 DOM

3280 GULF WINDS CIRCLESold · Mar ’26

$855,000

3280 GULF WINDS CIRCLE

4 bd · 2.5 ba · 2,567 sqft · $333/sqft · 119 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.

Tyler Stoddard

Your agent

Tyler Stoddard

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 3236 GULF WINDS CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3236 GULF WINDS CIRCLE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3236 GULF WINDS CIRCLE FAQs

What would the monthly payment be for 3236 GULF WINDS CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,095/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 3236 GULF WINDS CIRCLE?+

The most recent tax bill on record (2025) was $11,053. 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 3236 GULF WINDS CIRCLE?+

The listing reports pets: Cats OK, Dogs OK, 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 $2,775,000, this home is listed about 461% above the Hernando Beach median of $495,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3236 GULF WINDS CIRCLE?+

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 PREMIER SOTHEBYS INTL REALTY · Paul DeSantis, PA. MLS #TB8540476.

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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