3358 MINNOW CREEK DRIVE, HERNANDO BEACH, FL, 34607
Active221 days on marketListed Dec 16, 2025MLS #W7881471
About this home
3358 MINNOW CREEK DRIVE
PRICE IMPROVEMENT!!! DIRECT GULF-ACCESS TROPICAL PARADISE AVAILABLE IN HERNANDO BEACH WITH ELEVATOR/LIFT!!! EXPERIENCE TRUE FLORIDA WATERFRONT LIVING IN THE COASTAL 2/ BEDROOM 2.5/ BATHROOM HOME LOCATED IN THE HEART OF HERNANDO BEACH WITH NO HOA. AMAZING INVESTMENT OPPORTUNITY. This Home features an Elevator for convenient Upper-Level Living. The Kitchen has Wood Cabinets and Granite Countertops and is perfect for Entertaining. Metal Roof 2022 and HVAC 2021. Nestled on a Deep-Water Canal with Direct Gulf Access, this Property is a Boater's Dream- Perfect for Fishing, Kayaking, and Sunset Cruises. This Elevated Home offers a Brights, Open Layout designed to Capture Water Views and Coastal Breezes. Enjoy your Indoor-Outdoor Living with Deck and Entertaining Spaces overlooking the Water. A Private Dock and Seawall provide easy access to the Water, while the spacious lower level offers room for Storage, Parking, Waterfront Gatherings and Additional Living space with a Bathroom. PROPERTY HIGHLIGHTS: DIRECT GULF ACCESS {NO BRIDGES}, PRIVATE DOCK AND SEAWALL, ELEVATED COASTAL CONSTRUCTION, OPEN-CONCEPT LIVING AND DINING AREAS, WATERFRONT LIFESTYLE WITH BOATING AND FISHING, LOCATED IN A QUIET/QUAINT COMMUNITY. LOCATION PERKS: MINUTES TO OPEN GULF WATERS, CLOSE TO MARINAS, WATERFRONT DINING, AND PARKS, SHORT DISTANCE TO WEEKI WACHEE SPRINGS, TAMPA AND A 11,000 ACRE PRESERVE. Whether you are searching for a Primary Residence, Vacation Getaway, or Investment Property, this Hernando Beach Home offers the Waterfront Lifestyle Florida is famous for. Schedule your showing today and start living the Gulf Coast Dream.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
980
Sqft
0.16 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$505
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.
$3,882 /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
$3,882/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.
$/sqft vs GULF COAST RET
$505 vs $363
Days on market
221 vs 35 typical
Where $505/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 52% 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 3358 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 3358 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 3358 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
3358 MINNOW CREEK DRIVE FAQs
What would the monthly payment be for 3358 MINNOW CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,882/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 3358 MINNOW CREEK DRIVE?+
The most recent tax bill on record (2025) was $7,070. 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 3358 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 $495,000, this home is listed about 10% 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 3358 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
$495,000 runs 52% 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
221 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 $595,000, now $495,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENNIS REALTY & INV. CORP. · Leslie Tomlinson, PA. MLS #W7881471.
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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