
3217 SHINE LANE, SPRING HILL, FL, 34607
Active2 days on marketListed Sep 2, 2026MLS #W7889140
About this home
3217 SHINE LANE
44.64 Acres on the Gulf of America — Aripekas Hidden Treasure One of the last significant waterfront parcels between Tampa and Cedar Key awaits its next steward. This extraordinary 44-acre property delivers what Florida's coast rarely offers anymore: space, privacy, and direct Gulf access through your own boat ramp and 150 feet of protective seawall. The Details That Matter: Agricultural zoning preserves your options and privacy. A new 145 x 60 pole barn anchors the property, ready for your vision. Fresh infrastructure includes a 4" well system, while mature palms and cleared areas create an ideal canvas. Two gated entrances off 1,250 feet of Indian Bay Drive frontage ensure both security and flexibility for any development approach. Envision Your Legacy: Create a sprawling waterfront estate with guest houses dotting the landscape. Establish a multi-generational family compound where grandchildren catch their first fish from your private dock. Develop an exclusive ranchette blending coastal living with equestrian dreams. Transform it into a boutique retreat center or conservation sanctuary. Or maximize value through strategic subdivision into estate lots that preserve the propertys rare character. Why This Property Commands Attention: In a market where waterfront lots are measured in feet, not acres, this property offers breathing room that money rarely buys anymore. The combination of size, zoning, infrastructure, and protected water access positions this as one of the most versatile waterfront offerings on Floridas Nature Coast. Sunsets included. Vision required
Facts & features
The home at a glance
45.7 ac
Lot size
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.
$25,107 /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
$25,107/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.
Where it sits
Inside Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 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 Spring Hill market
$320K → $315K
Spring Hill median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1041% above the SPRING HILL 34607 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 3217 SHINE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$430,000
2487 SUNSET VISTA DRIVE
3 bd · 3 ba · 1,491 sqft · $288/sqft · 63 DOM
Sold · Sep ’25$414,900
4009 TRIGGERFISH DRIVE
3 bd · 2 ba · 1,638 sqft · $253/sqft · 155 DOM
Sold · May ’26$450,000
3391 JEWFISH DRIVE
3 bd · 3 ba · 1,652 sqft · $272/sqft · 73 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 3217 SHINE LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3217 SHINE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3217 SHINE LANE FAQs
What would the monthly payment be for 3217 SHINE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $25,107/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 3217 SHINE LANE?+
The most recent tax bill on record (2025) was $22,700. 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 Spring Hill?+
At $3,995,000, this home is listed about 1075% above the Spring Hill median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3217 SHINE 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
$3,995,000 runs 1041% above the SPRING HILL 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 2 days on market in a Spring Hill market that averages 43 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TOMMIE DAWSON REALTY · Lauren Selph. MLS #W7889140.
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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