
3194 INDIAN GULF LANE, HERNANDO BEACH, FL, 34607
Active4 days on marketListed Aug 25, 2026MLS #W7888817
About this home
3194 INDIAN GULF LANE
Experience an exceptional waterfront lifestyle at 3194 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This extensively renovated 2-bedroom, 2-bath coastal residence offers approximately 1,906 square feet of living area, sweeping unobstructed views across the Gulf of America and surrounding natural coastal landscape, direct boating access, a private concrete boat ramp, and approximately 60 feet of poured-concrete seawall. The residence has undergone substantial renovation and updating, creating a bright, inviting interior with a flowing layout designed to take full advantage of the waterfront setting. The updated kitchen features granite countertops, stainless-steel appliances, a large center island with seating, generous cabinetry, and an open connection to the dining and living areas. Expansive windows and glass doors bring abundant natural light and coastal views into the principal living spaces. The main level also includes the second bedroom, full bath, interior laundry, and an impressive Florida room overlooking the water. Updated flooring, ceiling fans, contemporary finishes, built-in cabinetry and shelving complete the interior. A dramatic spiral staircase leads to the private upper-level primary suite with walk-in closet and adjoining bath. The exterior renovation represents a significant investment. The home was extensively refinished with a Dryvit stucco exterior system, a substantial and costly improvement that gives the residence a refined architectural appearance and contributes materially to its updated finish quality. Additional improvements include a newer metal roof, newer central air-conditioning system, and extensive deck improvements. The expansive rear deck provides an outstanding setting for dining, entertaining, relaxing, and enjoying spectacular sunsets and ever-changing coastal scenery. From the seawall and private boat ramp, enjoy direct access to the surrounding waterways for boating, kayaking, fishing, and exploration of the Gulf. Open water, tidal wetlands, natural shoreline, and undeveloped coastal views create a setting that is increasingly difficult to find. The location also places an exceptional collection of Nature Coast recreation within easy reach. Nearby destinations 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. To the south, SunWest Park in Hudson offers a public swimming beach and additional water recreation. Weeki Wachee Springs is also nearby. Popular Hernando Beach dining options include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping and everyday services, including the familiar Cracker Barrel on Commercial Way. For buyers searching the Hernando Beach and 34607 waterfront market, 3194 Indian Gulf Lane offers a rare combination of extensive renovation, direct boating access, exceptional Gulf views and a remarkably natural coastal setting.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,906
Sqft
0.18 ac
Lot size
1984
Year built
Two
Levels
$655
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.
$8,900 /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
$8,900/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
+288.6%
$/sqft vs Hernando Beach actives
$655 vs $350
Days on market
4 vs 41 typical
Where $655/sqft sits among the 54 Hernando Beach actives
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)
21 of 54
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 273% 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 3194 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.
Sold · Jun ’26$649,000
3431 PALOMETA DRIVE
3 bd · 2 ba · 1,841 sqft · $353/sqft · 187 DOM
Sold · Apr ’26$575,000
3447 PALOMETA DRIVE
3 bd · 2 ba · 1,800 sqft · $319/sqft · 205 DOM
Sold · Sep ’25$645,000
3415 CROAKER DRIVE
3 bd · 2 ba · 2,050 sqft · $315/sqft · 158 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3194 INDIAN GULF LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3194 INDIAN GULF LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3194 INDIAN GULF LANE FAQs
What would the monthly payment be for 3194 INDIAN GULF LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,900/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 3194 INDIAN GULF LANE?+
The most recent tax bill on record (2025) was $18,388. 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 $1,249,000, this home is listed about 152% 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 3194 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
$1,249,000 runs 273% above the HERNANDO BEACH 34607 median — but at 1,906 sqft it's also 23% 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 4 days on market in a Hernando Beach market that averages 41 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BRIDGE POINT BUSINESS REAL EST · Anthony Kanaris PLLC. MLS #W7888817.
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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