1524 INDIAN BAY ROAD, HERNANDO BEACH, FL, 34607
Active146 days on marketListed Feb 28, 2026MLS #TB8481004
About this home
1524 INDIAN BAY ROAD
RARE & REMARKABLE OPPORTUNITY! Discover the perfect blend of privacy, coastal beauty, and future potential with 5 acres MOL offering stunning Gulf views and indirect Gulf access. This truly one-of-a-kind property delivers the ultimate Old Florida lifestyle — where nature, water, and wide-open space come together. The updated 2-bedroom, 1.5-bath home is full of classic Florida character and charm, thoughtfully improved while maintaining its coastal appeal. One of the standout features is the covered and screened patio overlooking the canal — the ideal setting for morning coffee, evening sunsets, fishing, bird watching, and enjoying the peaceful waterfront surroundings. This property feels like your own private sanctuary. For those who need extra space, the impressive 28x24 detached garage provides ample room for boats, kayaks, workshop space, or additional storage. Another amazing feature is the private neighborhood park area across the street that provides direct access to the Gulf. Located just minutes from Hernando Beach, shopping, and local restaurants, you’ll enjoy the charm of this laid-back coastal community while still having acreage that is nearly impossible to find near the water. Whether you’re looking for a private waterfront retreat, multigenerational living potential, or future investment opportunity with subdivision options per Hernando County, this property delivers flexibility and upside that are hard to match. Waterfront acreage. Gulf views. Endless potential. This is what Florida dreams are made of.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,348
Sqft
4.9 ac
Lot size
4
Garage
1945
Year built
Two
Levels
$538
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.
$4,734 /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
$4,734/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
+68.2%
$/sqft vs NONE
$538 vs $335
Days on market
146 vs 35 typical
Where $538/sqft sits among the 273 homes for sale in NONE
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)
100 of 273
NONE have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 123% 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 1524 INDIAN BAY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$450,000
8225 WAKEFORD ROAD · same community
3 bd · 2.5 ba · 1,339 sqft · $336/sqft · 10 DOM
Sold · Dec ’25$185,000
18350 NE 19TH COURT · same community
3 bd · 2 ba · 1,434 sqft · $129/sqft · 3 DOM
Sold · Jan ’26$295,000
404 S BLUE LAKE AVENUE · same community
3 bd · 2 ba · 1,465 sqft · $201/sqft · 51 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1524 INDIAN BAY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1524 INDIAN BAY ROAD — 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
1524 INDIAN BAY ROAD FAQs
What would the monthly payment be for 1524 INDIAN BAY ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,734/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 1524 INDIAN BAY ROAD?+
The most recent tax bill on record (2025) was $4,686. 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 $725,000, this home is listed about 32% above the Hernando Beach median of $548,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1524 INDIAN BAY ROAD?+
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
01Positioned at the premium end
$725,000 runs 123% 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
146 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S TRUST REALTY · Sean Kwiatkowski. MLS #TB8481004.
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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