1578 INDIAN BAY ROAD, SPRING HILL, FL, 34607
Active57 days on marketListed May 29, 2026MLS #TB8513638
About this home
1578 INDIAN BAY ROAD
A rare find on Florida's Nature Coast! Nestled between Aripeka and Hernando Beach, 1578 Indian Bay Road offers the perfect blend of Old Florida charm, waterfront lifestyle, and modern updates. Aripeka, a historic 120- acre angler's paradise once visited by legends such as Babe Ruth and Jack Dempsey, and nearby Hernando Beach provide a unique coastal setting unlike anywhere else in the Tampa Bay area. Enjoy peaceful nights under star-filled skies while remaining conveniently close to everything you need - shopping, waterfront dining, beaches, breweries, and local attractions are all just a short drive away. This hidden gem delivers beautiful sunsets, privacy, and the tranquility of nature without sacrificing convenience. Originally built in 1979 and beautifully modernized in 2025, this 3-bedroom, 2-bath home features an open concept layout filled with natural light, plus a hidden office/den for a fun and unique touch. Luxury vinyl plank flooring flows throughout the main living areas, with ceramic tile in the bathrooms. Additional interior features include ceiling fans throughout, solid wood cabinetry, quartz countertops, and updated finishes throughout the home. Major 2025 updates include a new water heater, HVAC system, septic pump with alarm, garage door, kitchen appliances, electrical breakers, plumbing above the slab, nearly all windows and doors, plus fresh interior and exterior paint. Step outside to a screened-in patio spanning the length of the home, overlooking a fenced backyard with mature landscaping designed for both privacy and shade from the Florida sun. Located across from the canal and just down the road from the community boat ramp, this property is ideal for boating and fishing enthusiasts. Nearby grass flats, tidal inlets, and marshes are well known for trophy redfish, snook, and spotted sea trout. Experience the best of Florida living in this truly special coastal retreat.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,608
Sqft
0.55 ac
Lot size
2
Garage
1979
Year built
One
Levels
$280
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.
$3,407 /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
$3,407/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
+1.1%
$/sqft vs Spring Hill actives
$280 vs $192
Days on market
57 vs 29 typical
Where $280/sqft sits among the 400 Spring Hill 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 Spring Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Spring Hill. See the full Spring Hill guide →
SPRING HILL 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 Spring Hill market
$320K → $318K
Spring Hill median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
202 of 400
Spring Hill actives have cut their price
Median sold price, Spring Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the SPRING HILL 34607 median. See the full Spring Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 1578 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 · Dec ’25$535,000
3431 SHEEPHEAD DRIVE
3 bd · 2 ba · 1,630 sqft · $328/sqft · 424 DOM
Sold · Sep ’25$414,900
4009 TRIGGERFISH DRIVE
3 bd · 2 ba · 1,638 sqft · $253/sqft · 155 DOM
Sold · May ’26$450,000
3391 JEWFISH DRIVE
3 bd · 3 ba · 1,652 sqft · $272/sqft · 73 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 1578 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 1578 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
1578 INDIAN BAY ROAD FAQs
What would the monthly payment be for 1578 INDIAN BAY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,407/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 1578 INDIAN BAY ROAD?+
The most recent tax bill on record (2025) was $4,789. 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 1578 INDIAN BAY ROAD?+
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 Spring Hill?+
At $450,000, this home is listed about 30% above the Spring Hill median of $345,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1578 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LIST WITH BEGGINS · Marie Betlow, LLC. MLS #TB8513638.
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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