CENTURY 21 Edge

3190 INDIAN GULF LANE, HERNANDO BEACH, FL, 34607

Active3 days on marketListed Aug 26, 2026MLS #W7888917

INDIAN BAY COUNTRY HOMES UNREC

About this home

3190 INDIAN GULF LANE

Rare waterfront opportunity at 3190 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This approximately 0.50-acre property consists of Lots 16, 17 and 18 in Indian Bay Country Homes and contains approximately 23,598 square feet of vacant residential land. The parcel offers an exceptional coastal setting with approximately 180 feet of poured-concrete seawall and an existing boat slip/ramp. Sweeping views extend across the surrounding waterways, tidal wetlands and natural coastal landscape toward the Gulf of America, creating the open and remarkably undeveloped setting that defines this portion of Florida’s Nature Coast. The property’s substantial waterfront exposure and broad parcel configuration make it particularly appealing for buyers seeking a distinctive coastal property in the Hernando Beach and 34607 waterfront market. Indian Gulf Lane offers a peaceful setting while remaining within convenient reach of the recreational and lifestyle amenities of the greater Hernando Beach area. 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; Alfred McKethan/Pine Island Park with its Gulf beach and swimming area; SunWest Park in Hudson; and Weeki Wachee Springs. Popular Hernando Beach dining destinations and everyday shopping and services along U.S. Highway 19 are also within convenient reach. 3190 Indian Gulf Lane offers a rare opportunity to secure a substantial waterfront property in one of the Nature Coast’s most distinctive settings, where open water, natural shoreline and expansive Gulf views come together in a way that is increasingly difficult to find. With approximately one-half acre, approximately 180 feet of poured-concrete seawall and an existing boat slip/ramp, this property offers a compelling combination of waterfront frontage, coastal setting and long-term appeal.

Facts & features

The home at a glance

0.54 ac

Lot size

Water view

Inside

Outside & construction

ViewWater
FacesNorth

Community & fees

Taxes (2025)$5,196/yr

Utilities & systems

UtilitiesElectricity Available · Water Available
WaterSee Remarks

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,781 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property tax — 2025 actual bill$433
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $89,900Loan30-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% · $89,900
Interest rate6.00%
Loan term

Estimated payment

$5,781/mo

Principal & interest$4,851
PMI (est., until 20% equity)$337
Property taxes (actual bill)$433
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.

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

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)

Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 167% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Aug 26, 2026Listed at $899,000 · 3 days on market since

Reality check

What actually sold near 3190 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 3190 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 3190 INDIAN GULF LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3190 INDIAN GULF LANE FAQs

What would the monthly payment be for 3190 INDIAN GULF LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,781/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 3190 INDIAN GULF LANE?+

The most recent tax bill on record (2025) was $5,196. 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 $899,000, this home is listed about 82% 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 3190 INDIAN GULF LANE?+

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

$899,000 runs 167% above the HERNANDO BEACH 34607 median.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

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 BRIDGE POINT BUSINESS REAL EST · Anthony Kanaris PLLC. MLS #W7888917.

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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3190 INDIAN GULF LANE, HERNANDO BEACH, FL — $899,000 | CENTURY 21 Edge