
4514 NEPTUNE DRIVE, HERNANDO BEACH, FL, 34607
Active3 days on marketListed Aug 26, 2026MLS #W7888889
Come see it
Upcoming open house
Sat, Aug 29
11:00 AM – 1:00 PM
About this home
4514 NEPTUNE DRIVE
Welcome to this spacious 2-BEDROOM, 2-BATH HOME WITH 1st level FLEX & GAME/ENTERTAINMENT SPACE, a 2-CAR GARAGE, and a desirable CUL-DE-SAC location. Situated on a corner lot with approximately 120 FEET OF CONCRETE SEAWALL AND A FLOATING DOCK, this home offers an exceptional waterfront setting and DIRECT GULF ACCESS in the heart of Hernando Beach. A covered entry welcomes you into a soaring foyer and bright main living area featuring VAULTED CEILINGS, laminate wood-look flooring and an abundance of windows. Pocketing 4-panel sliding glass doors open the living space to the SCREENED UPPER-LEVEL PORCH, creating a seamless indoor/outdoor living experience with beautiful water views. The family and dining areas flow into the beautifully UPDATED KITCHEN (2022) featuring quartz countertops, custom blue cabinetry with accent glass doors, quartz backsplash, under-cabinet lighting, stainless steel appliances and porcelain wood-look tile flooring. A charming kitchen nook surrounded by bay windows, custom lighting, plant shelves and a pantry closet completes this bright and inviting space. The spacious primary suite features a vaulted ceiling, French doors with built-in blinds leading to the screened porch and a walk-in closet. The primary bath offers a FLOOR-TO-CEILING CUSTOM TILE SHOWER, jetted garden/Jacuzzi tub and granite-topped vanity. The second bedroom also enjoys a water view, while the guest bath features a Corian counter top, vanity and custom floor-to-ceiling tiled shower. Laundry is conveniently located on the upper level. Downstairs expands the possibilities with an approximately 25’ X 18’ GAME/ENTERTAINMENT ROOM with sliding glass doors opening to a covered porch, plus an approximately 14’ X 11’ FLEX ROOM ideal for an office, hobby room, workout area or additional storage. Step outside and embrace the HERNANDO BEACH WATERFRONT LIFESTYLE with a spacious backyard, ABOVE-GROUND POOL, covered and screened outdoor spaces, approximately 120 FEET OF SEAWALL, floating dock and plenty of room for entertaining. Bring the boat, kayaks and paddleboards and take advantage of DIRECT GULF ACCESS, with the open Gulf just a short boat ride away. Hernando Beach is known for its laid-back coastal atmosphere, waterfront homes, canals, boating, fishing, kayaking, beautiful sunsets and easy access to the Gulf. Enjoy nearby HERNANDO BEACH BOAT RAMPS, MARINAS, WATERFRONT RESTAURANTS, BEACH ACCESS AND THE HERNANDO BEACH FLATS, a popular area for boating, fishing and enjoying the Nature Coast. Additional highlights include a 2-CAR GARAGE, 30-amp RV plug in the garage, newer front and back storm doors and a WATER SOFTENER SYSTEM INSTALLED IN 2019.Current insurance costs are approximately $1,486/YEAR FOR FLOOD INSURANCE, with a savings of approximately 4,771 dollars and and less than 3000 dollars FOR HOMEOWNERS INSURANCE. Enjoy NO HOA AND NO CDD, with SHORT-TERM RENTALS ALLOWED, offering flexibility as a full-time residence, vacation getaway or investment property. Shopping, medical facilities, entertainment and everyday conveniences are just a short drive away, with convenient access to US-19 and the Suncoast Parkway for travel toward Tampa, Brooksville and surrounding areas. COME LIVE THE HERNANDO BEACH LIFESTYLE—WHERE EVERY DAY FEELS LIKE A VACATION! THIS IS FLORIDA LIVING!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,389
Sqft
0.17 ac
Lot size
2
Garage
1992
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.
$3,981 /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
$3,981/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
+82.6%
$/sqft vs GULF COAST RET
$439 vs $401
Days on market
3 vs 41 typical
Where $439/sqft sits among the 14 homes for sale in GULF COAST RET
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)
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 82% 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 4514 NEPTUNE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$395,000
3288 MINNOW CREEK DRIVE · same community
3 bd · 2 ba · 1,425 sqft · $277/sqft · 140 DOM
Sold · Jul ’26$219,000
4519 FLOUNDER DRIVE · same community
3 bd · 2 ba · 1,294 sqft · $169/sqft · 1 DOM
Sold · Sep ’25$655,000
4460 FLOUNDER DRIVE · same community
2 bd · 2 ba · 1,484 sqft · $441/sqft · 55 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4514 NEPTUNE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4514 NEPTUNE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4514 NEPTUNE DRIVE FAQs
What would the monthly payment be for 4514 NEPTUNE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,981/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 4514 NEPTUNE DRIVE?+
The most recent tax bill on record (2025) was $3,611. 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 4514 NEPTUNE DRIVE?+
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 $610,000, this home is listed about 23% 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 4514 NEPTUNE 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
$610,000 runs 82% 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 3 days on market in a Hernando Beach market that averages 41 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of HILL POINT REALTY INC. · Sarah Hill. MLS #W7888889.
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 4514 NEPTUNE 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 Angela to ping you on any price or status change →


