CENTURY 21 Edge
$1,400,0003 bd2.5 ba2,813 sqft$498 /sqft$8,852 /mo all-in ↓

3200 GULF WINDS CIRCLE, HERNANDO BEACH, FL, 34607

Active5 days on marketListed Aug 24, 2026MLS #W7888877

WaterfrontFully furnishedSingle Family ResidenceGULF COAST RET

Come see it

Upcoming open house

Sat, Sep 5

11:00 AM – 3:00 PM

About this home

3200 GULF WINDS CIRCLE

OPEN GULFVIEW VIEWS PLUS AN INSIDE BOAT SLIP WITH DRIVEUP FLOATING DOCK for your boat and jet ski! Experience the ultimate Florida waterfront lifestyle in this ONE-OF-A-KIND 3-BEDROOM, 2.5-BATH, THREE-STORY HERNANDO BEACH HOME with breathtaking Gulf views, spectacular westerly sunsets and exceptional boating access. Designed to maximize its waterfront setting, the home features a WALL OF IMPACT WINDOWS and an IMPACT SLIDING GLASS DOOR across the rear, filling the living spaces with natural light and showcasing expansive Gulf views. Watch dolphins, coastal wildlife and unforgettable sunsets from the comfort of your own home. The open GREAT ROOM FLOOR PLAN seamlessly connects the kitchen, dining and family areas. The spacious kitchen features abundant cabinetry and counter space, a breakfast bar, natural wood cabinetry and countertops, vaulted ceilings, and upper windows that bring in additional natural light. A charming bay window creates a welcoming kitchen nook. The dining area captures beautiful Gulf views, while the family room features wall-to-wall waterfront windows, a dramatic vaulted ceiling and decorative natural wood tongue-and-groove detailing. An additional sitting area continues the coastal feel with tongue-and-groove ceilings, expansive windows and sliding glass doors leading to the backyard. The SPACIOUS PRIMARY SUITE IS LOCATED ON THE MAIN LEVEL and features crown molding and custom glass double doors. The ensuite bath offers dual sinks, a makeup counter and a WALK-IN SHOWER WITH FLOOR-TO-CEILING TILE AND GLASS DOORS, along with a custom walk-in closet and convenient laundry area. A half bath is also located on the main level. Upstairs are TWO ADDITIONAL SPACIOUS BEDROOMS and a full bath with tub/shower, providing comfortable accommodations for family and guests. The third story features an additional sitting area and access to the CROWS NEST PORCH, offering an elevated vantage point for panoramic Gulf views, refreshing coastal breezes and stunning sunsets. Step outside to MULTIPLE PAVED PATIO AREAS with unobstructed Gulf views. An ABOVE-GROUND SPA and decorative iron fencing complement the outdoor living spaces, creating an ideal setting for relaxing, entertaining or enjoying the spectacular Florida sunsets. BOATERS WILL LOVE THE WATER ACCESS! The property includes an INSIDE BOAT SLIP WITH DRIVE-UP FLOATING DOCK for your boat and jet ski. An OVERSIZED 1-CAR GARAGE provides excellent storage, while the room above the garage offers potential for a future FLEX ROOM, HOME OFFICE or additional living space with appropriate improvements. Located in the vibrant HERNANDO BEACH WATERFRONT COMMUNITY, residents enjoy BOATING, KAYAKING, PADDLEBOARDING, FISHING, AND DIRECT ACCESS TO THE GULF. Just minutes from Weeki Wachee Springs State Park, plus nearby SHOPPING, DINING, AND MEDICAL FACILITIES. The area is GOLF CART FRIENDLY, allows SHORT-TERM RENTALS, and has NO HOA AND NO DEED RESTRICTIONS, making it ideal for FULL-TIME LIVING, A VACATION HOME, OR A HIGH-PERFORMING INVESTMENT PROPERTY. With convenient access to the Suncoast Parkway, commuting to Tampa, Brooksville, and surrounding areas is easy.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,813

Sqft

0.22 ac

Lot size

1

Garage

1975

Year built

Three Or More

Levels

$498

Per sqft

WaterfrontWater viewFurnishedPets allowed

Inside

FlooringCarpet · Laminate · Porcelain Tile · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionVinyl Siding · Wood Frame
FoundationCrawlspace
ViewWater
FacesEast
ParkingGarage Door Opener
ExteriorFrench Doors · Sliding Doors · Storage

Community & fees

Taxes (2025)$7,352/yr
PetsYes
CommunityCanal Front · Marina · Public Boat Ramp · Water Access · Waterfront · Golf Carts OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer 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.

$8,852 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property tax — 2025 actual bill$613
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $140,000Loan30-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% · $140,000
Interest rate6.00%
Loan term

Estimated payment

$8,852/mo

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property taxes (actual bill)$613
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 GULF COAST RET

$498 vs $401

Days on market

5 vs 41 typical

Where $498/sqft sits among the 14 homes for sale in GULF COAST RET

2
1
5
2
2 · this home
2
$197–267$267–338$338–408$408–479$479–549$549+

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

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

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle 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)

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 316% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Aug 24, 2026Listed at $1,400,000 · 5 days on market since
1975Built · GULF COAST RET

Reality check

What actually sold near 3200 GULF WINDS CIRCLE

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

3175 FLAMINGO BOULEVARDSold · Mar ’26

$800,000

3175 FLAMINGO BOULEVARD · same community

3 bd · 3 ba · 2,932 sqft · $273/sqft · 0 DOM

3280 GULF WINDS CIRCLESold · Mar ’26

$855,000

3280 GULF WINDS CIRCLE · same community

4 bd · 2.5 ba · 2,567 sqft · $333/sqft · 119 DOM

3344 GULFVIEW DRIVESold · Apr ’26

$1,125,000

3344 GULFVIEW DRIVE · same community

5 bd · 4 ba · 3,152 sqft · $357/sqft · 31 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.

German Parra Tovar

Your agent

German Parra Tovar

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3200 GULF WINDS CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3200 GULF WINDS CIRCLE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3200 GULF WINDS CIRCLE FAQs

What would the monthly payment be for 3200 GULF WINDS CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,852/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 3200 GULF WINDS CIRCLE?+

The most recent tax bill on record (2025) was $7,352. 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 3200 GULF WINDS CIRCLE?+

The listing reports pets: Yes. 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 $1,400,000, this home is listed about 183% 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 3200 GULF WINDS CIRCLE?+

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

$1,400,000 runs 316% above the HERNANDO BEACH 34607 median — but at 2,813 sqft it's also nearly twice the size of 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 5 days on market in a Hernando Beach market that averages 41 — if it fits, move quickly.

Listing courtesy of HILL POINT REALTY INC. · Sarah Hill. MLS #W7888877.

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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