4389 5TH ISLE DRIVE, HERNANDO BEACH, FL, 34607
Active28 days on marketListed Jun 25, 2026MLS #TB8521960
About this home
4389 5TH ISLE DRIVE
Welcome to 4389 5th Isle Dr, where every day feels like a waterfront vacation. Built in 2022, this exceptional coastal retreat offers deep-water canal frontage with direct Gulf access, making it easy to spend your days fishing, boating, island hopping, or enjoying waterfront dining just minutes from home. Designed with both luxury and durability in mind, this all-concrete block residence features impact-resistant windows and doors, a private elevator, premium appliances, and high-end finishes throughout. Outside, a brand-new dock and 10,000 lb boat lift provide the perfect launch point for your next adventure on the water. Relax on your outdoor living spaces while dolphins, rays, and native coastal wildlife pass by, or unwind with breathtaking sunset skies and gentle Gulf breezes. Whether you're seeking a full-time residence, seasonal escape, or the ultimate boating lifestyle, this stunning Hernando Beach home delivers a rare opportunity to live where others vacation.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,720
Sqft
0.14 ac
Lot size
2022
Year built
Three Or More
Levels
$500
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.
$8,993 /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
$8,993/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.
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 325% 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 4389 5TH ISLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4389 5TH ISLE 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
4389 5TH ISLE DRIVE FAQs
What would the monthly payment be for 4389 5TH ISLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,993/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 4389 5TH ISLE DRIVE?+
The most recent tax bill on record (2025) was $11,816. 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 $1,360,000, this home is listed about 148% 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 4389 5TH ISLE 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.
Listing courtesy of AGILE GROUP REALTY · Kurt Neubauer. MLS #TB8521960.
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.
Never miss a listing
New Hernando Beach homes, in your inbox
Like 4389 5TH ISLE DRIVE but not quite? A daily digest of every new listing in Hernando Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →