3178 AZALEA DRIVE, HERNANDO BEACH, FL, 34607
Active3 days on marketListed Oct 18, 2026MLS #TB8557962
About this home
3178 AZALEA DRIVE
Waterfront living with a vacation mindset—offered fully furnished and turnkey at $975,000! This Hernando Beach retreat combines a private pool, waterfront recreation, and an established vacation-rental history. Enjoy it as a personal getaway, full-time residence, or continued rental opportunity—with furnishings, games, kayaks, bicycles, and kitchen essentials included! The owners and their guests did not experience any flooding in the home during the hurricanes of 2023 or 2024. Set at the end of a cul-de-sac, this four-bedroom, two-and-a-half-bath home features an interior elevator and dumbwaiter. The main living level offers an open layout, tray ceilings, beautiful water views, and 12-foot pocket sliders opening to a covered, screened balcony. The expansive three-sided balcony invites morning coffee and evening relaxation. The spacious kitchen features a granite island, induction cooktop, walk-in pantry, and coffee bar. The primary suite includes balcony access, dual walk-in closets, and an updated bath, with three additional bedrooms completing the main level. Downstairs, additional finished recreation space offers expansive gaming and gathering areas, plus split two-car and one-car garages. The lower-level finished area is not included in the reported living square footage. Outside, enjoy a screened, solar-heated saltwater pool with waterfalls, generous paver entertaining areas, outdoor dining space, a fenced yard, and a floating dock with kayak launch. Go from poolside to paddling in moments, exploring scenic mangroves along the way for a distinctly Florida experience. Approximately 20-30 minutes by kayak to Gulf waters, depending on pace and conditions. Gulf access for suitable boats is available through the community boat lift. Fish from the dock, explore by bicycle, or gather around the fire feature after sunset. A 2019 metal roof and an extensive collection of included amenities complete this ready-to-enjoy waterfront package. Bring your suitcase and start enjoying it!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,223
Sqft
0.28 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$439
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.
$7,666 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$7,666/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+19.1%
$/sqft vs HERNANDO BEACH
$439 vs $340
Days on market
3 vs 68 typical
Where $439/sqft sits among the 33 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)
19 of 33
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 191% 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 3178 AZALEA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$725,000
3520 TRIGGERFISH DRIVE · same community
3 bd · 2 ba · 2,214 sqft · $327/sqft · 0 DOM
Sold · Feb ’26$625,000
3455 TRIGGERFISH DRIVE · same community
3 bd · 2.5 ba · 2,197 sqft · $284/sqft · 148 DOM
Sold · Mar ’26$799,000
3496 AMBERJACK DRIVE · same community
4 bd · 3 ba · 2,150 sqft · $372/sqft · 300 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3178 AZALEA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3178 AZALEA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3178 AZALEA DRIVE FAQs
What would the monthly payment be for 3178 AZALEA DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,666/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 3178 AZALEA DRIVE?+
The most recent tax bill on record (2025) was $12,063. 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 3178 AZALEA 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 $975,000, this home is listed about 95% above the Hernando Beach median of $499,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3178 AZALEA 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.
The brief
Three things that matter here
01Positioned at the premium end
$975,000 runs 191% above the HERNANDO BEACH 34607 median — but at 2,223 sqft it's also 42% 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 3 days on market in a Hernando Beach market that averages 68 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BEACHES TO RANCHES REALTY · James Saffell. MLS #TB8557962.
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.
Never miss a listing
New Hernando Beach homes, in your inbox
Like 3178 AZALEA DRIVE but not quite? A daily digest of every new listing in Hernando Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →