3468 MINNOW CREEK DRIVE, HERNANDO BEACH, FL, 34607
Active980 days on marketListed Nov 18, 2023MLS #W7859841
About this home
3468 MINNOW CREEK DRIVE
Welcome to the Gulf Coast Fishing enthusiast's dream! This remarkable waterfront lot presents a unique opportunity to create your ideal home in the serene haven of Hernando Beach. Boasting 60 feet of frontage on a saltwater canal, this property provides direct access to the Gulf of Mexico without any fixed bridges, allowing you to embark on fishing adventures with ease. Imagine waking up to the sight of dolphins and manatees gracefully swimming behind your future home, as you cast your line for prized catches such as redfish, snook, and snappers right from your own lot. With dimensions of 125 x 60, this larger-sized Hernando Beach Direct Access lot offers ample space for crafting the perfect coastal retreat. One of the unique features of this property is its absence of a homeowners association (HOA), opening the door to potential short-term rentals for added flexibility and income generation. The buyer is encouraged to conduct thorough due diligence and inspections, ensuring that this piece of paradise aligns seamlessly with their vision. Situated in Hernando Beach, a tranquil coastal hamlet dedicated to the joys of recreational fishing and boating, this lot is a gateway to a lifestyle defined by the Gulf of Mexico and the Weeki Wachee Nature Preserve. While Hernando Beach may not have a traditional sandy beach, it compensates with a distinctive coastal ambiance, featuring waterfront tiki bars, marinas, fine dining establishments, seafood markets, and charming shops. Surprisingly close to the conveniences of "civilization," you're just under 10 minutes away from US 19, where Publix, shopping centers, popular chain restaurants, Walmart, Sam's Club, and access to four major hospitals await. Furthermore, Hernando Beach is strategically positioned, being only an hour away from Tampa International Airport and a mere 90 minutes from the enchanting world of Disney. Embrace the unparalleled Gulf Coast Fishing Homes Lifestyle that Hernando Beach offers – a harmonious blend of natural beauty, recreational opportunities, and convenient access to modern amenities. Seize this opportunity to build
Facts & features
The home at a glance
0.17 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.
$1,550 /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
$1,550/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 38% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3468 MINNOW CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$325,000
4499 BAHAMA DRIVE · same community
2 bd · 2 ba · 958 sqft · $339/sqft · 0 DOM
Sold · Jan ’26$590,000
4446 BAHAMA DRIVE · same community
3 bd · 3 ba · 1,193 sqft · $495/sqft · 263 DOM
Sold · Feb ’26$615,000
4452 KINGSTON DRIVE · same community
3 bd · 2 ba · 1,204 sqft · $511/sqft · 26 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 3468 MINNOW CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3468 MINNOW CREEK 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
3468 MINNOW CREEK DRIVE FAQs
What would the monthly payment be for 3468 MINNOW CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,550/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 3468 MINNOW CREEK DRIVE?+
The most recent tax bill on record (2022) was $1,503. 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 $199,900, this home is listed about 64% 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 3468 MINNOW CREEK 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
01Under the HERNANDO BEACH 34607 market on paper
$199,900 is 38% below the HERNANDO BEACH 34607 median of $325,000.
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
980 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 $235,000, now $199,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GULF COAST FISHING HOMES RLTY · GREG Klesius. MLS #W7859841.
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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