4348 TAHITI DRIVE, HERNANDO BEACH, FL, 34607
Active163 days on marketListed Feb 10, 2026MLS #TB8474957
About this home
4348 TAHITI DRIVE
DIRECT GULF ACCESS waterfront lot in the heart of HERNANDO BEACH! This 6,000 SF (60x100) homesite is perfectly positioned on a DEEP WATER CANAL with quick access to the OPEN GULF—offering the ideal opportunity to build your DREAM COASTAL HOME in one of Florida’s most desirable waterfront communities. With NO HOA, NO DEED RESTRICTIONS, and NO SHORT-TERM RENTAL RESTRICTIONS, this property offers endless flexibility for a primary residence, vacation getaway, or investment opportunity. Zoned R1B for SINGLE-FAMILY HOMES only (no mobile homes permitted). Property is located in a flood zone, so any future home will need to be ELEVATED. There is NO TIMELINE TO BUILD, allowing you to secure your piece of paradise now and build when ready. Water, sewer, and electric are available at the street and can be connected to the future home. Boating enthusiasts will love that DOCKS ARE ALLOWED even without a home currently on the property, making it easy to start enjoying the waterfront lifestyle right away. Please note this is NOT an RV lot and RV living is not permitted. Located in the charming coastal community of HERNANDO BEACH, residents enjoy easy access to boating, fishing, kayaking, paddleboarding, and some of Florida’s best waterfront dining with live entertainment. Nearby attractions include Weeki Wachee Springs State Park, where you can enjoy crystal-clear springs, kayaking adventures, and Florida’s natural beauty. Conveniently located near shopping, restaurants, marinas, and everyday essentials while still offering the peaceful charm of Old Florida living. Don’t miss this rare opportunity to own a WATERFRONT LOT with DIRECT GULF ACCESS in beautiful HERNANDO BEACH! Property is located on the right side of the road before 4354 Tahiti Drive. Land financing options are available. Lot lines shown in aerial photos are approximate.
Facts & features
The home at a glance
0.14 ac
Lot size
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.
$1,351 /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
$1,351/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.
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 49% below 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 4348 TAHITI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4348 TAHITI 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
4348 TAHITI DRIVE FAQs
What would the monthly payment be for 4348 TAHITI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,351/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 4348 TAHITI DRIVE?+
The most recent tax bill on record (2025) was $1,762. 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 4348 TAHITI DRIVE?+
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 $165,000, this home is listed about 70% 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 4348 TAHITI 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
Three things that matter here
01Under the HERNANDO BEACH 34607 market on paper
$165,000 is 49% below the HERNANDO BEACH 34607 median of $322,500.
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
163 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
Listing courtesy of JT REALTY & ASSOCIATES · Sarah Hill. MLS #TB8474957.
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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