3285 MINNOW CREEK DRIVE, HERNANDO BEACH, FL, 34607
Active270 days on marketListed Oct 27, 2025MLS #W7880140
About this home
3285 MINNOW CREEK DRIVE
Waterfront paradise! This fully renovated 2-bedroom, 2-bath stilt home offers modern coastal living on a deep-water canal just minutes from the Gulf. Every detail has been beautifully updated — simply move in and start living your waterfront dream. Step inside to discover engineered hardwood floors, a stunning chef's kitchen with soft-close wood cabinetry, granite countertops, a large island, stainless steel appliances, and a farm-style sink. The open-concept layout flows seamlessly into the living area, featuring hurricane-impact windows (2024) and a three-panel sliding glass door that opens to a 10-foot deck with peaceful canal, mangrove and Gulf views. Enjoy two newly renovated bathrooms with custom tile showers, glass doors, and matching granite finishes. The primary suite features a walk-in closet, ensuite bathroom with rain showerhead and designer details throughout. Nearly everything is new (2024), air conditioning system 2024, insulation, bug-resistant siding, on-demand water heater, paint, ceiling fans, washer & dryer, staircase, and deck railing. The home also includes a new seawall cap, floating dock, and gangway — perfect for boating enthusiasts. Roof 2023. The first floor is ready for your personal touch, ideal for storage, a workshop, or future expansion, think gym, workshop, man cave. A charming spiral staircase leads up to the main living area, where a hatch door adds a touch of character. Located in a no-HOA neighborhood, this property offers freedom and flexibility — bring your boat, kayaks, or paddleboards to enjoy fishing, scalloping, relaxing with direct Gulf access in just five minutes! Close to the public boat ramp, marina, and popular local restaurants. Owner financing available. Whether you're seeking a full-time waterfront residence, vacation home, or investment property, this stunning remodel delivers the ultimate Florida coastal lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,248
Sqft
0.13 ac
Lot size
1983
Year built
Two
Levels
$480
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.
$4,120 /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
$4,120/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
+56.2%
$/sqft vs GULF COAST RET
$480 vs $363
Days on market
270 vs 35 typical
Where $480/sqft sits among the 17 homes for sale in GULF COAST RET
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
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)
9 of 17
GULF COAST RET have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% 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 3285 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 · Jun ’26$355,000
4315 FLEXER DRIVE · same community
2 bd · 2 ba · 1,254 sqft · $283/sqft · 372 DOM
Sold · Mar ’26$540,000
4071 ORIENT DRIVE · same community
3 bd · 2 ba · 1,260 sqft · $429/sqft · 69 DOM
Sold · May ’26$355,000
3387 MINNOW CREEK DRIVE · same community
2 bd · 1.5 ba · 1,214 sqft · $292/sqft · 59 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 3285 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 3285 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
3285 MINNOW CREEK DRIVE FAQs
What would the monthly payment be for 3285 MINNOW CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,120/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 3285 MINNOW CREEK DRIVE?+
The most recent tax bill on record (2024) was $6,038. 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 3285 MINNOW CREEK DRIVE?+
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 Hernando Beach?+
At $599,000, this home is listed about 9% 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 3285 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
01Positioned at the premium end
$599,000 runs 84% 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
270 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 $649,000, now $599,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Tracie Maler, PA. MLS #W7880140.
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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