5046 CEDARBROOK LANE, HERNANDO BEACH, FL, 34607
Active15 days on marketListed Sep 28, 2026MLS #W7889886
About this home
5046 CEDARBROOK LANE
LIVE THE FLORIDA WATERFRONT LIFESTYLE-Turnkey stilt home offers DIRECT GULF ACCESS from your own backyard. Hop on the boat and be out in the Gulf in minutes! Built in 2003, this coastal retreat is perfectly suited as a full-time residence, weekend getaway, or investment property. Boaters will love the PRIVATE BOAT RAMP. 155 feet of seawall, boat lift, floating dock & gazebo, everything is ready for days spent fishing, cruising, scalloping and exploring Florida’s beautiful Gulf Coast. Relax on the spacious deck & watch the boats glide through the canal, gather around the firepit in the evening, or enjoy the gazebo after a day on the water. The large rear parking pad offers plenty of additional outdoor space and ROOM FOR A POOL to create your ultimate Florida backyard oasis.Under-building parking accommodates up to 3 cars tandem, plus additional space for a golf cart and all your coastal toys. Metal Roof recovered in 2020 and HVAC 2024.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,056
Sqft
0.28 ac
Lot size
2003
Year built
Two
Levels
$473
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.
$3,895 /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
$3,895/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.
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
+27.8%
$/sqft vs Hernando Beach actives
$473 vs $351
Days on market
15 vs 71 typical
Where $473/sqft sits among the 56 Hernando Beach actives
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)
30 of 56
Hernando Beach actives have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% 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 5046 CEDARBROOK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$339,000
4243 TAHITI DRIVE
3 bd · 2 ba · 1,000 sqft · $339/sqft · 58 DOM
Sold · Jun ’26$330,000
3393 POINSETTIA DRIVE
2 bd · 1 ba · 912 sqft · $362/sqft · 247 DOM
Sold · Oct ’25$520,000
3416 FERNLEAF DRIVE
3 bd · 2 ba · 1,204 sqft · $432/sqft · 61 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 5046 CEDARBROOK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5046 CEDARBROOK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5046 CEDARBROOK LANE FAQs
What would the monthly payment be for 5046 CEDARBROOK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,895/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 5046 CEDARBROOK LANE?+
The most recent tax bill on record (2025) was $6,918. 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 5046 CEDARBROOK LANE?+
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 $499,000, this home is priced right at the Hernando Beach median.
Which schools are assigned to 5046 CEDARBROOK 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.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Tracie Maler, PA. MLS #W7889886.
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.
Never miss a listing
New Hernando Beach homes, in your inbox
Like 5046 CEDARBROOK LANE but not quite? A daily digest of every new listing in Hernando Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →