4030 GULF COAST DRIVE, HERNANDO BEACH, FL, 34607
Active6 days on marketListed Oct 7, 2026MLS #W7889378
About this home
4030 GULF COAST DRIVE
DIRECT GULF ACCESS, TWO BOAT LIFTS, RESIDENTIAL ELEVATOR, A RESORT-STYLE POOL & COASTAL LUXURY ALL IN ONE! Built in 2020 & located in desirable North Hernando Beach, this beautiful Key West-style waterfront home combines upscale coastal living with the ultimate Florida boating lifestyle. Offering approximately 2,266 sq ft of living space, 4,775 total sq ft, 3 bedrooms, 3.5 bathrooms & an impressive 3-car garage, this three-story home enjoys WATER VIEWS FROM BOTH THE FRONT & BACK plus the convenience of a RESIDENTIAL ELEVATOR SERVING ALL LEVELS. The bright, open-concept main living level is designed to showcase the water views, with high ceilings, crown molding throughout the living areas & remote-control blinds adding both style & convenience. At the heart of the home, the kitchen is beautifully appointed with shaker-style soft-close cabinetry, granite countertops, upper glass-front cabinets for displaying favorite dishes or décor, deep pot drawers, stainless steel appliances, DOUBLE OVEN RANGE & a spacious breakfast bar. The kitchen opens seamlessly to the dining & living areas, creating an inviting layout for everyday living & effortless entertaining. The primary suite is conveniently located on the main living level & features a walk-in closet with a California-style closet organizer plus a spa-inspired bathroom with a freestanding SLIPPER TUB, oversized glass-enclosed walk-in shower & spacious vanity. Head to the third level where you will find a LOFT, TWO ADDITIONAL BEDROOM SUITES, each with its own private bathroom & walk-in closet. One bathroom features a tub/shower combination while the other offers a walk-in shower. This level also includes an UPPER BALCONY & additional storage area. Outside, your private waterfront oasis awaits with a HEATED & COOLED GUNITE POOL featuring colorful underwater murals of a mermaid, turtles & fish, surrounded by brick pavers, tropical landscaping & a fenced backyard. Brick pavers also enhance the front of the home & oversized driveway. Boaters will appreciate approximately 55 feet of waterfront on CHEEKS CREEK CANAL, a neighborhood favorite, along with a concrete seawall, a 6,000-LB BOAT LIFT, a 10,000-LB BOAT LIFT & a FIXED DECK positioned between the lifts. Enjoy DIRECT GULF ACCESS WITH NO BRIDGES OR LOCKS & approximately 10 minutes to full-throttle waters. Multiple covered balconies provide even more outdoor living space for enjoying the canal views & coastal breezes. Additional features include public water & sewer, irrigation system, WATER SOFTENER, security cameras & NO HOA OR CDD. From relaxing poolside to heading offshore for a day on the Gulf, this exceptional home delivers the boating, entertaining & coastal lifestyle that makes Hernando Beach so special.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,266
Sqft
0.13 ac
Lot size
2020
Year built
Three Or More
Levels
$530
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.
$7,856 /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
$7,856/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
+36.5%
$/sqft vs HERNANDO BEACH
$530 vs $347
Days on market
6 vs 71 typical
Where $530/sqft sits among the 32 homes for sale in HERNANDO BEACH
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)
17 of 32
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 259% 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 4030 GULF COAST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$725,000
3520 TRIGGERFISH DRIVE · same community
3 bd · 2 ba · 2,214 sqft · $327/sqft · 0 DOM
Sold · Jan ’26$1,150,000
4375 2ND ISLE DRIVE · same community
3 bd · 2 ba · 2,321 sqft · $495/sqft · 58 DOM
Sold · Feb ’26$625,000
3455 TRIGGERFISH DRIVE · same community
3 bd · 2.5 ba · 2,197 sqft · $284/sqft · 148 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4030 GULF COAST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4030 GULF COAST DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4030 GULF COAST DRIVE FAQs
What would the monthly payment be for 4030 GULF COAST DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,856/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 4030 GULF COAST DRIVE?+
The most recent tax bill on record (2025) was $9,250. 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 $1,200,000, this home is listed about 140% above the Hernando Beach median of $500,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4030 GULF COAST 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.
The brief
Three things that matter here
01Positioned at the premium end
$1,200,000 runs 259% above the HERNANDO BEACH 34607 median — but at 2,266 sqft it's also 45% larger than the typical Hernando Beach listing.
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 6 days on market in a Hernando Beach market that averages 71 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Sharie Oakland. MLS #W7889378.
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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