4392 3RD ISLE DRIVE, HERNANDO BEACH, FL, 34607
Active20 days on marketListed Aug 31, 2026MLS #TB8541435
About this home
4392 3RD ISLE DRIVE
Virtually Staged. ELEVATED PEACE OF MIND & DIRECT GULF ACCESS! Single-level daily living meets ultimate coastal security in this rare Hernando Beach gem. Perched securely at an impressive 11-foot elevation, this waterfront property came through recent major storms completely untouched with NO storm water damage. Enjoy the incredible convenience of a zero-step front entry for your daily indoor lifestyle, paired with easy step access right down to your private dock. Outside, the massive brick-paver driveway provides abundant parking for your boat trailer, golf cart, or RV. The expansive waterfront paver patio offers plenty of room for outdoor dining, grilling, and relaxing along the deep-water canal. Boaters will love having direct Gulf access right from the backyard, opening the door to world-class fishing, scalloping, and island hopping throughout Florida's beautiful Nature Coast. Explore the crystal-clear Weeki Wachee River, nearby natural springs, local waterfront dining, and nature preserves just minutes away. Plus, enjoy convenient highway access to the greater Tampa Bay area, international airports, plus all the culture, entertainment, professional sporting events & cruise ship terminals, not to mention all the one-tank theme park day trips. Whether you are searching for a full-time residence, retirement retreat, seasonal waterfront escape, or potential income-producing rental, this property delivers an exceptional, hard-to-find combination of direct Gulf boating access, true single-level interior living, and high-elevation safety. This inviting 3-bedroom, 2-bath home features a bright, open floor plan, beautifully updated kitchen and bathrooms, and a spacious enclosed Florida room overlooking the canal; the perfect setting for morning coffee or evening entertaining. Value-packed and worry-free, this home boasts a brand new 2025 A/C system, providing immediate savings, maximum energy efficiency, and years of maintenance-free comfort for its next owner. Come discover an easier, more affordable way to enjoy Florida waterfront living!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,260
Sqft
0.13 ac
Lot size
1980
Year built
One
Levels
$356
Per sqft
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.
$3,232 /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
$3,232/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.
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.
vs edgeAI estimate
+18.7%
$/sqft vs HERNANDO BEACH
$356 vs $347
Days on market
20 vs 41 typical
Where $356/sqft sits among the 31 homes for sale in HERNANDO BEACH
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
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
$453K → $500K
Hernando Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
14 of 31
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 4392 3RD ISLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$428,500
3366 BLUEFISH DRIVE · same community
3 bd · 3 ba · 1,384 sqft · $310/sqft · 156 DOM
Sold · Jun ’26$500,000
4208 DES PREZ COURT · same community
2 bd · 2 ba · 1,435 sqft · $348/sqft · 51 DOM
Sold · 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.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4392 3RD ISLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4392 3RD ISLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4392 3RD ISLE DRIVE FAQs
What would the monthly payment be for 4392 3RD ISLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,232/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 4392 3RD ISLE DRIVE?+
The most recent tax bill on record (2025) was $2,764. 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 4392 3RD ISLE 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 $449,000, this home is listed about 9% below the Hernando Beach median of $495,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4392 3RD ISLE 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.
The brief
Three things that matter here
01Positioned at the premium end
$449,000 runs 33% above the HERNANDO BEACH 34607 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $465,000, now $449,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED PROPERTY ASSOC INC · Marisa Brewer. MLS #TB8541435.
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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