
4087 GULF COAST DRIVE, HERNANDO BEACH, FL, 34607
Active2 days on marketListed Sep 18, 2026MLS #W7889551
About this home
4087 GULF COAST DRIVE
WATERFRONT FLORIDA LIVING WITH DIRECT GULF OF MEXICO ACCESS, SCREENED POOL & OUTDOOR KITCHEN! Welcome home to this beautifully updated waterfront property offering an impressive combination of comfortable interior space, outdoor entertaining and the Florida waterfront lifestyle. Enjoy direct boating access to the Gulf of Mexico, making this an ideal home for boating, fishing, kayaking and enjoying everything Florida's Nature Coast provides. Step inside to a bright, fresh and inviting interior featuring a neutral color palette, attractive flooring and crisp bright trim throughout. The home's comfortable layout provides plenty of space for everyday living as well as entertaining family and friends. Multiple windows bring in abundant natural light, while the updated finishes give the home a clean and welcoming feel. The spacious bedrooms provide comfortable retreats with plenty of room for furnishings and storage. The bathrooms feature clean, bright finishes, and the home's additional interior spaces provide flexibility for storage and everyday household needs. A dedicated laundry room includes a washer and dryer, utility sink, cabinetry, countertop workspace and additional shelving. A separate mudroom/storage area provides even more functional space. Multiple French doors connect the interior living areas directly to the covered lanai, creating an easy transition between indoor and outdoor living. This layout makes the home especially well suited for entertaining and taking advantage of Florida's year-round outdoor lifestyle. Step outside and discover where this property really shines. The expansive covered lanai provides plenty of room for outdoor dining, relaxing and entertaining and features a built-in outdoor kitchen with bar seating, grill, sink, generous countertop space and storage. Just beyond the covered patio is the large screened salt water swimming pool, surrounded by an expansive paver deck with plenty of room for lounging in the Florida sunshine. The backyard overlooks the waterfront canal with direct Gulf of Mexico access, providing beautiful water views from the pool, patio and yard. Spend your days boating and fishing, launch a kayak for an afternoon on the water, relax by the pool, or entertain friends and family from your outdoor kitchen and spacious covered lanai. Additional features include a separate storage/workshop area, generous interior storage, multiple access points to the pool and lanai, fenced pool area, mature palms and a spacious waterfront backyard. Direct Gulf Access + Spacious Updated Interior + Waterfront + Screened Pool + Outdoor Kitchen + Expansive Covered Lanai — this home brings together the features that make Florida waterfront living so enjoyable.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,394
Sqft
0.24 ac
Lot size
2
Garage
1977
Year built
One
Levels
$340
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.
$5,561 /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
$5,561/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
+22.8%
$/sqft vs HERNANDO BEACH
$340 vs $350
Days on market
2 vs 41 typical
Where $340/sqft sits among the 31 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)
15 of 31
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 141% 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 4087 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 · Jan ’26$1,150,000
4375 2ND ISLE DRIVE · same community
3 bd · 2 ba · 2,321 sqft · $495/sqft · 58 DOM
Sold · Apr ’26$265,000
4048 BLUEFISH DRIVE · same community
4 bd · 3 ba · 2,496 sqft · $106/sqft · 259 DOM
Sold · Oct ’25$650,000
3207 HIBISCUS DRIVE · same community
4 bd · 3 ba · 2,512 sqft · $259/sqft · 257 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4087 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 4087 GULF COAST DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4087 GULF COAST DRIVE FAQs
What would the monthly payment be for 4087 GULF COAST DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,561/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 4087 GULF COAST DRIVE?+
The most recent tax bill on record (2025) was $8,377. 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 $815,000, this home is listed about 65% 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 4087 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
$815,000 runs 141% above the HERNANDO BEACH 34607 median — but at 2,394 sqft it's also 55% larger than the typical Hernando Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a Hernando Beach market that averages 41 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER WEAVER GROUP REALTY · James McCrostie. MLS #W7889551.
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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