CENTURY 21 Edge
$1,199,0002 bd3 ba1,344 sqft$892 /sqft$8,552 /mo all-in ↓

3198 INDIAN GULF LANE, HERNANDO BEACH, FL, 34607

Active4 days on marketListed Aug 25, 2026MLS #W7888807

WaterfrontFully furnishedSingle Family ResidenceINDIAN BAY COUNTRY HOMES UNREC

About this home

3198 INDIAN GULF LANE

Experience an exceptional waterfront lifestyle at 3198 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This extensively renovated coastal residence is offered together with adjoining Lot 13, which forms an integral part of the homesite. The property combines comfortable coastal living with open water views, a poured-concrete seawall, private boat lift, expansive upper balcony, large covered ground-level entertaining area and one-car garage. The main living level features an open and inviting floor plan designed to take advantage of the surrounding waterfront setting. The living room, dining area and remodeled kitchen flow together, with generous windows and sliding glass doors providing abundant natural light and views toward the water. The kitchen features white cabinetry, granite countertops, stainless-steel appliances, extensive counter space and a large island/breakfast bar providing additional seating and workspace. Wood-look flooring, plantation shutters, ceiling fans and coordinated coastal finishes contribute to the home's updated presentation. The adjoining upper balcony substantially extends the living and dining areas outdoors and provides an ideal setting for relaxing, dining or enjoying the natural waterfront surroundings. The upper level includes the primary bedroom with private bath, a second bedroom, an additional full bath and laundry area. A finished first-floor room provides valuable additional flexibility. Although this room does not have a closet, it is finished consistently with the home, has a window and conventional access, and includes a full private bathroom. The space is well suited for use as a guest bedroom, den, home office or other flex space. Outdoor living is equally impressive. A substantial covered paver area beneath the home creates a shaded entertaining space complete with a dedicated bar area, while the upper balcony provides elevated views across the water. The poured-concrete seawall and private boat lift make the property particularly appealing for boating, fishing, kayaking and exploring the surrounding waterways leading to the Gulf of America. The home also features a metal roof, paver driveway and extensive updating throughout. Aripeka is part of Florida's Nature Coast and the greater Hernando Beach market area, offering convenient access to a variety of outdoor recreation and waterfront destinations. Nearby amenities include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. SunWest Park in Hudson provides additional beach and water recreation, while Weeki Wachee Springs is also within convenient reach. Popular Hernando Beach dining destinations include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping, dining and everyday services, including Cracker Barrel on Commercial Way. 3198 Indian Gulf Lane offers a distinctive combination of updated coastal living, flexible interior space, boating amenities and the natural waterfront setting that defines the Hernando Beach and 34607 coastal market.

Facts & features

The home at a glance

2

Bedrooms

3

Bathrooms

1,344

Sqft

0.36 ac

Lot size

1

Garage

1984

Year built

Two

Levels

$892

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringBrick/Stone · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Window Treatments
LaundryElectric Dryer Hookup · Inside · Upper Level · Washer Hookup
CoolingCentral Air · Wall/Window Unit(s)
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionStucco · Wood Frame
FoundationSlab · Stilt/On Piling
ViewWater
FacesNorth
ParkingBoat · Driveway · Under Building
ExteriorBalcony · Sliding Doors · Storage

Community & fees

Taxes (2025)$17,674/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · 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.

$8,552 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$1,473
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $119,900Loan30-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% · $119,900
Interest rate6.00%
Loan term

Estimated payment

$8,552/mo

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property taxes (actual bill)$1,473
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

$892 vs $350

Days on market

4 vs 41 typical

Where $892/sqft sits among the 53 Hernando Beach actives

21
20
8
4
0
0 · this home
$216–328$328–441$441–554$554–667$667–779$779+

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

Tampa Int’l Airport (TPA)70 min
Downtown Tampa73 min

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

MiddleFox Chapel Middle School★★★★
ElementaryWestside Elementary 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 258% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Aug 25, 2026Listed at $1,199,000 · 4 days on market since
1984Built · INDIAN BAY COUNTRY HOMES UNREC

Reality check

What actually sold near 3198 INDIAN GULF LANE

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

3366 BLUEFISH DRIVESold · Jun ’26

$428,500

3366 BLUEFISH DRIVE

3 bd · 3 ba · 1,384 sqft · $310/sqft · 156 DOM

4009 SHEEPHEAD DRIVESold · May ’26

$495,000

4009 SHEEPHEAD DRIVE

3 bd · 3 ba · 1,554 sqft · $319/sqft · 0 DOM

3431 SHEEPHEAD DRIVESold · Dec ’25

$535,000

3431 SHEEPHEAD DRIVE

3 bd · 2 ba · 1,630 sqft · $328/sqft · 424 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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3198 INDIAN GULF LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3198 INDIAN GULF LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3198 INDIAN GULF LANE FAQs

What would the monthly payment be for 3198 INDIAN GULF LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,552/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 3198 INDIAN GULF LANE?+

The most recent tax bill on record (2025) was $17,674. 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 $1,199,000, this home is listed about 142% 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 3198 INDIAN GULF LANE?+

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

$1,199,000 runs 258% 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.

03Fresh on the market

Only 4 days on market in a Hernando Beach market that averages 41 — if it fits, move quickly.

Listing courtesy of BRIDGE POINT BUSINESS REAL EST · Anthony Kanaris PLLC. MLS #W7888807.

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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