3435 GULF COAST DRIVE, HERNANDO BEACH, FL, 34607
Active77 days on marketListed May 7, 2026MLS #O6403337
About this home
3435 GULF COAST DRIVE
Waterfront living at its finest! This beautifully renovated 2-bedroom, 2-bath home in Hernando Beach offers direct Gulf access with 62 feet of saltwater canal frontage and no bridges—a true boater’s dream. Step inside to discover a completely updated interior featuring a brand-new roof, fresh interior and exterior paint, and stylish tile flooring throughout. The stunning open kitchen showcases white shaker cabinetry, granite countertops, stainless steel appliances, and a breakfast bar that flows seamlessly into the dining and living areas—perfect for entertaining. Both bathrooms have been fully remodeled with modern vanities and new shower/tub features. Additional upgrades include a new hot water heater and garage door, providing peace of mind for years to come. Enjoy relaxing water views from the Florida room or unwind on the screened rear porch overlooking the canal. Whether you're sipping your morning coffee or hosting guests, this home is designed to embrace the coastal lifestyle. Located in a golf-cart-friendly community, Hernando Beach offers a laid-back atmosphere with nearby boat ramps, parks, nature preserves, and waterfront dining with live music. You're just minutes from Pine Island Beach and within easy reach of Tampa International Airport, Clearwater, and St. Petersburg for shopping, dining, and entertainment. Don’t miss your chance to own this turnkey waterfront retreat—schedule your showing today! All information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is.”
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,235
Sqft
0.14 ac
Lot size
1
Garage
1973
Year built
One
Levels
$324
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.
$3,086 /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
$3,086/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
+10.9%
Days on market
77 vs 35 typical
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
$495K → $488K
Hernando Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3435 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 3435 GULF COAST DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3435 GULF COAST DRIVE FAQs
What would the monthly payment be for 3435 GULF COAST DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,086/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 3435 GULF COAST DRIVE?+
The most recent tax bill on record (2025) was $4,737. 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 $399,900, this home is listed about 27% below the Hernando Beach median of $548,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3435 GULF COAST DRIVE?+
Fox Chapel Middle School (middle), Deltona Elementary School (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$399,900 runs 23% above the HERNANDO BEACH 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.
03Time on market is leverage
77 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $439,900, now $399,900 — a $40K cut. The full history is in the market section below.
Listing courtesy of ALL FLORIDA PROPERTY GROUP,INC · Melinda Foley. MLS #O6403337.
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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