
3184 ROSE ARBOR DRIVE, HERNANDO BEACH, FL, 34607
Active35 days on marketListed Sep 8, 2026MLS #W7889303
About this home
3184 ROSE ARBOR DRIVE
Build your Florida waterfront dream in beautiful Hernando Beach! This CLEARED WATERFRONT LOT is tucked away on a unique cul-de-sac that is surrounded by canals on all three sides, offering an incredible setting for enjoying the laid-back coastal lifestyle. Situated along a wide canal, the property features a NEWLY ADDED 85-FOOT SEAWALL—a major improvement already completed for the future owner. With the lot cleared and the seawall in place, you’re one step closer to bringing your vision for a custom waterfront retreat to life. Enjoy boating, fishing, kayaking, beautiful water views, and everything that makes Hernando Beach such a special place to call home. You’ll also be close to everything the community has including local favorites like the Lazy Lizard, the VFW, waterfront dining, marinas, parks, and some of the best fishing and boating along Florida’s Nature Coast. Whether you’re looking to build a primary residence, weekend getaway, or waterfront investment, this is your opportunity to own a cleared waterfront lot in one of Hernando Beach’s distinctive canal communities. Bring your plans and start creating your own piece of the Florida waterfront lifestyle! Added value for future construction—geotechnical soil testing has already been completed, including two soil borings to approximately 20 feet, with a geotechnical engineering report and foundation recommendations available.
Facts & features
The home at a glance
0.13 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.
$1,350 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,350/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
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)
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3184 ROSE ARBOR DRIVE
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$290,000
3178 SEA GRAPE DRIVE · same community
2 bd · 2 ba · 823 sqft · $352/sqft · 564 DOM
Sold · Jun ’26$500,000
4208 DES PREZ COURT · same community
2 bd · 2 ba · 1,435 sqft · $348/sqft · 51 DOM
Sold · Feb ’26$495,000
3363 POINSETTIA DRIVE · same community
3 bd · 2 ba · 1,440 sqft · $344/sqft · 0 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3184 ROSE ARBOR DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3184 ROSE ARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3184 ROSE ARBOR DRIVE FAQs
What would the monthly payment be for 3184 ROSE ARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,350/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 3184 ROSE ARBOR DRIVE?+
The most recent tax bill on record (2025) was $985. 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 3184 ROSE ARBOR 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 $175,000, this home is listed about 65% below the Hernando Beach median of $500,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3184 ROSE ARBOR DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Victoria Perez. MLS #W7889303.
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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