3423 PALOMETA DRIVE, HERNANDO BEACH, FL, 34607
Active2 days on marketListed Oct 11, 2026MLS #TB8554910
About this home
3423 PALOMETA DRIVE
Welcome to your own slice of Florida waterfront paradise! This impressive three-story Hernando Beach home offers an incredible opportunity to embrace life on the water. With it’s own floating dock, your next boating adventure is always within reach, with direct access to the Gulf of America. Imagine spending your days cruising the waterways and your evenings relaxing on the balcony, watching spectacular sunsets paint the sky over the water. Offering three bedrooms and two-and-a-half baths, this inviting residence combines comfort, style, and everyday convenience. The updated kitchen is a standout, featuring granite countertops, stainless steel appliances, and solid wood cabinetry enhanced by a beautiful aqua/turquoise tile backsplash. Luxury flooring, ceramic tile, and plush carpeting create a welcoming atmosphere throughout, while a cozy fireplace adds warmth and charm. Additional features include interior laundry, a tankless water heater, and a whole-house water softener. Step outside and discover your own private retreat! The heated saltwater pool, accented by attractive lighting, sets the scene for refreshing swims, relaxing afternoons, and memorable gatherings with family and friends. A newly installed irrigation system helps keep the grounds looking their best, while the nearby conservation area provides a peaceful natural setting and added privacy. The spacious primary suite offers a wonderful place to unwind, complete with a private balcony where you can soak in those breathtaking waterfront sunsets. An oversized two-car garage provides plenty of room for parking and extra storage. Whether you envision a year-round waterfront home or a special Florida getaway, this property offers the perfect opportunity to enjoy the lifestyle so many dream about. Bring your boat, embrace the sunshine, and get ready to make wonderful waterfront memories! $750.000
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,976
Sqft
0.17 ac
Lot size
1
Garage
2009
Year built
Three Or More
Levels
$380
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 and the real association fee — not generic estimates.
$4,979 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,979/mo
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.
vs edgeAI estimate
+6.4%
$/sqft vs HERNANDO BEACH
$380 vs $347
Days on market
2 vs 71 typical
Where $380/sqft sits among the 32 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)
17 of 32
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 122% 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 3423 PALOMETA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$650,000
4116 DIAZ COURT · same community
3 bd · 2.5 ba · 2,033 sqft · $320/sqft · 332 DOM
Sold · Nov ’25$770,000
3240 SPANISH BAYONET DRIVE · same community
3 bd · 2.5 ba · 1,866 sqft · $413/sqft · 45 DOM
Sold · Mar ’26$720,000
4187 DIAZ COURT · same community
3 bd · 2.5 ba · 1,847 sqft · $390/sqft · 87 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 3423 PALOMETA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3423 PALOMETA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3423 PALOMETA DRIVE FAQs
What would the monthly payment be for 3423 PALOMETA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,979/mo — principal and interest, the actual property-tax bill, the $22/mo association fee 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.
How much are the HOA fees at 3423 PALOMETA DRIVE?+
The association fee works out to $22 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3423 PALOMETA DRIVE?+
The most recent tax bill on record (2025) was $5,622. 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 3423 PALOMETA 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 $750,000, this home is listed about 50% above the Hernando Beach median of $500,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3423 PALOMETA 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
$750,000 runs 122% above the HERNANDO BEACH 34607 median — but at 1,976 sqft it's also 27% larger than the typical Hernando Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Hernando Beach market that averages 71 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Georgia Bickford. MLS #TB8554910.
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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