4512 HAITI DRIVE, HERNANDO BEACH, FL, 34607
Active177 days on marketListed Jan 27, 2026MLS #TB8469238
About this home
4512 HAITI DRIVE
Completely Renovated Waterfront Home Just Two Blocks from the Gulf – Welcome to your move-in-ready waterfront retreat in the heart of Hernando Beach. This beautifully rebuilt and fully renovated 3-bedroom, 2-bath home sits on a wide canal just two blocks from open Gulf access, offering the ideal blend of modern upgrades and coastal lifestyle. Inside, the home has been thoughtfully redesigned from the ground up. Enjoy brand-new A/C, plumbing, water heater, and all-new appliances, providing peace of mind for years to come. Waterproof luxury vinyl flooring with a lifetime warranty runs throughout, paired with sleek granite countertops and a bright, open layout perfect for entertaining. A stunning oversized bay window frames tranquil water views, filling the living space with natural light. Step outside to your brand-new deck and take in the serene canal setting—perfect for morning coffee, evening gatherings, or preparing for a day on the water. New boat slips make this home a dream for boating enthusiasts, with quick access to the Gulf just minutes away. The community clubhouse offers a great space for hosting parties and social events. This property has been completely gutted, rebuilt, and updated with today’s buyer in mind—no projects, no guesswork, just effortless coastal living. Be it for a primary residence, vacation getaway, or waterfront investment, this home delivers on location, upgrades, and lifestyle. Don’t miss this rare opportunity to own a turn-key waterfront home so close to the Gulf. Schedule your private showing today. SELLER HAS TWO LOTS AVAILABLE ROSE LEAF AND ANN ARBOR - HERNANDO BEACH
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,412
Sqft
0.23 ac
Lot size
1967
Year built
One
Levels
$353
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.
$3,828 /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
$3,828/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
+10.2%
Days on market
177 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
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 55% 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 4512 HAITI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4512 HAITI 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
4512 HAITI DRIVE FAQs
What would the monthly payment be for 4512 HAITI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,828/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 4512 HAITI DRIVE?+
The most recent tax bill on record (2025) was $6,121. 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 4512 HAITI DRIVE?+
The listing reports pets: No. 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 listed about 9% 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 4512 HAITI 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
$499,000 runs 55% 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
177 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 $544,000, now $499,000 — a $45K cut. The full history is in the market section below.
Listing courtesy of EXP REALTY LLC · Mary Hayward Palazzolo. MLS #TB8469238.
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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