4496 BIMINI DRIVE, HERNANDO BEACH, FL, 34607
Active7 days on marketListed Aug 22, 2026MLS #TB8541557
About this home
4496 BIMINI DRIVE
DIRECT WATERFRONT ACCESS TO THE GULF OF MEXICO! This beautifully renovated block home is perfectly positioned just off the main channel (Tarpon Channel), offering DEEP WATER ACCESS—bring your boat and enjoy easy access to the Gulf! Whether you're looking for the perfect vacation rental, a weekend getaway, or a full-time PLACE TO CALL HOME, this coastal gem delivers the Florida lifestyle you've been dreaming of. This charming 2-bedroom, 1-bath home features a spacious living room and dining area, plus a comfortable family room with beautiful water views. The updated kitchen offers granite countertops, wood cabinetry, dishwasher, range, and refrigerator—all ready for you to enjoy. New mini-split A/C systems add comfort, while the screened-in lanai provides the perfect spot to relax and take in the view. A 1-car garage, carport, utility room with washer and dryer, and new vinyl privacy fencing add convenience and functionality. Step outside and discover your own waterfront playground! The property features a SEAWALL, FLOATING DOCK, FISH-CLEANING STATION, KAYAK RACK, STORAGE SHED, FIRE PIT, and a good-size yard with plenty of room to enjoy the outdoors. Start your morning with coffee overlooking the water or unwind in the evening with your favorite sunset drink. Watch fishing boats head out for the day's adventure and keep your eyes open for the incredible wildlife that makes this waterfront location so special. DOLPHINS, MANATEES, STINGRAYS, amazing birdlife, and so much more can become part of your everyday scenery! Located in a beautiful coastal community surrounded by restaurants, marinas, shops, parks, and nature preserves, you'll have plenty to explore right outside your door. This is a GOLF CART COMMUNITY, so bring your cart and cruise around while making memories along the way. And when you're ready for another adventure, the famous WEEKI WACHEE RIVER, MERMAID PARK & BUCCANEER BAY are just down the road! Whether you're boating, fishing, kayaking, relaxing by the water, watching wildlife, or simply enjoying the laid-back coastal lifestyle, this property offers an incredible opportunity to live where every day feels like a vacation. COME EXPERIENCE THE WATERFRONT LIFESTYLE—YOUR GULF COAST GETAWAY IS WAITING!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
961
Sqft
0.18 ac
Lot size
1
Garage
1963
Year built
One
Levels
$401
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.
$2,867 /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
$2,867/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
+53.3%
$/sqft vs GULF COAST RET
$401 vs $429
Days on market
7 vs 41 typical
Where $401/sqft sits among the 14 homes for sale in GULF COAST RET
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)
6 of 14
GULF COAST RET have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% 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 4496 BIMINI DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$325,000
4499 BAHAMA DRIVE · same community
2 bd · 2 ba · 958 sqft · $339/sqft · 0 DOM
Sold · Jan ’26$590,000
4446 BAHAMA DRIVE · same community
3 bd · 3 ba · 1,193 sqft · $495/sqft · 263 DOM
Sold · Feb ’26$615,000
4452 KINGSTON DRIVE · same community
3 bd · 2 ba · 1,204 sqft · $511/sqft · 26 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4496 BIMINI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4496 BIMINI DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4496 BIMINI DRIVE FAQs
What would the monthly payment be for 4496 BIMINI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,867/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 4496 BIMINI DRIVE?+
The most recent tax bill on record (2025) was $3,247. 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 $385,000, this home is listed about 22% 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 4496 BIMINI DRIVE?+
Fox Chapel Middle School (middle), Westside Elementary School (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Tina Fingerman. MLS #TB8541557.
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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