
4098 DIAZ COURT, HERNANDO BEACH, FL, 34607
Active393 days on marketListed Jun 27, 2025MLS #W7876807
About this home
4098 DIAZ COURT
Tucked along a deep water canal with DIRECT GULF ACCESS, this 60x100 waterfront lot invites you to bring your coastal dreams to life. Imagine waking up to the glisten of morning light dancing on the water, with no bridges between you and the open sea—your boat, your breeze, your freedom. The lot features a brand-new seawall with endcap and steps—a $55,000 investment already in place, saving you time and money as you plan your perfect build. This rare gem offers R1B zoning for a single-family home and sits gracefully in a flood zone, requiring an elevated design—ideal for capturing unobstructed views of tranquil wetlands and surrounding natural splendor. The neighboring home lies low, ensuring your future build rises into panoramic beauty. And the sunsets? They’re nothing short of spectacular—painted skies that stretch endlessly over the Gulf, best enjoyed from your future balcony or private dock. Here in Hernando Beach, there are HOA or CDD rules to curb your vision. Whether it’s a peaceful escape, a vacation investment, or a forever home, this location offers the flexibility to craft a lifestyle as bold or serene as you choose. Adventurers and nature lovers rejoice—just minutes away awaits the magical spring-fed waters of Weeki Wachee, perfect for kayaking, manatee sightings, and lazy swims under the sun. As the day winds down, explore local eateries with live music, coastal charm, and that unmistakable small-town soul. Utilities—water, sewer, and power—are ready at the street, paving the way for a seamless start to your building journey. (Please note: lot lines shown on aerial maps are approximate.) This isn’t just a lot—it’s a gateway to the Gulf and the lifestyle you've been waiting for.
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.
$1,728 /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
$1,728/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 31% 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 4098 DIAZ COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
3178 SEA GRAPE DRIVE · same community
2 bd · 2 ba · 823 sqft · $352/sqft · 564 DOM
Sold · Jun ’26$428,500
3366 BLUEFISH DRIVE · same community
3 bd · 3 ba · 1,384 sqft · $310/sqft · 156 DOM
Sold · Jun ’26$500,000
4208 DES PREZ COURT · same community
2 bd · 2 ba · 1,435 sqft · $348/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 4098 DIAZ COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4098 DIAZ COURT — 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
4098 DIAZ COURT FAQs
What would the monthly payment be for 4098 DIAZ COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,728/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 4098 DIAZ COURT?+
The most recent tax bill on record (2024) was $1,721. 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 $225,000, this home is listed about 59% 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 4098 DIAZ COURT?+
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
$225,000 is 31% 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
393 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 $250,000, now $225,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDAS A TEAM REALTY · Jose Alonzo, SR. MLS #W7876807.
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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