CENTURY 21 Edge
$610,0002 bd2 ba1,389 sqft$439 /sqft$3,981 /mo all-in ↓

4514 NEPTUNE DRIVE, HERNANDO BEACH, FL, 34607

Active3 days on marketListed Aug 26, 2026MLS #W7888889

WaterfrontPrivate poolSingle Family ResidenceGULF COAST RET

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

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Laminate · Porcelain Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionVinyl Siding · Wood Frame (FSC Certified)
FoundationStilt/On Piling
ViewWater
FacesWest
ParkingGarage Door Opener
ExteriorBalcony · French Doors · Sliding Doors · Storage

Community & fees

Taxes (2025)$3,611/yr
PetsYes
CommunityCanal Front · Gulf/Ocean 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.

$3,981 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,292
PMI (est., until 20% equity)$229
Property tax — 2025 actual bill$301
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $61,000Loan30-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% · $61,000
Interest rate6.00%
Loan term

Estimated payment

$3,981/mo

Principal & interest$3,292
PMI (est., until 20% equity)$229
Property taxes (actual bill)$301
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.

List $610K
$293KedgeAI estimate $334,056 · range $305K$373K$634K

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

2
1
5
1 · this home
3
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

Drive times from this address

Tampa Int’l Airport (TPA)75 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)

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

Aug 26, 2026Listed at $610,000 · 3 days on market since
1992Built · GULF COAST RET

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.

3288 MINNOW CREEK DRIVESold · Jul ’26

$395,000

3288 MINNOW CREEK DRIVE · same community

3 bd · 2 ba · 1,425 sqft · $277/sqft · 140 DOM

4519 FLOUNDER DRIVESold · Jul ’26

$219,000

4519 FLOUNDER DRIVE · same community

3 bd · 2 ba · 1,294 sqft · $169/sqft · 1 DOM

4460 FLOUNDER DRIVESold · 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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4514 NEPTUNE DRIVE — start here.

Andrew Acosta

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.

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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 29, 2026 at 8:53 AM UTC. The listing information on this page last changed on August 29, 2026 at 8:53 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 29, 2026 at 8:53 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 29, 2026 at 8:53 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.