David Ramirez
$1,495,0005 bd4.5 ba3,756 sqft$398 /sqft$9,795 /mo all-in ↓

4146 DIAZ COURT, HERNANDO BEACH, FL, 34607

Active44 days on marketListed Jun 19, 2026MLS #W7886890

WaterfrontSingle Family ResidenceHERNANDO BEACH

About this home

4146 DIAZ COURT

ONE OF A KIND 5 bedroom + 4.5 baths + massive 6 car gar with this luxury waterfront custom built home in Hernando Beach. Discover this extraordinary move-in ready luxury custom home, meticulously maintained to the highest standards. This expansive layout with wood plantation shutters throughout, a 6-car garage with circular paver extended driveway is situated on three spacious lots with an impressive 180 feet of deep canal waterfrontage and no locks. There is a private boat launch, floating dock, fixed dock with gazebo, and a 10k lb boat lift. This sprawling estate offers 3,756 sq ft of elegant living space. Designed for durability and style, the home boasts a new roof and gutters in 2/2026, a reinforced seawall, column and lintel tie-beams, Hardi-Plank cementitious siding, Pella windows, alarm system, and both electronic and manual storm shutters, while a whole-house filtration system and 2 of the 3 AC systems are new to provide reliability and comfort. The concrete driveway is accented with reclaimed Chicago bricks and illuminated stone columns. Outdoor living is elevated by a spectacular 126-foot covered waterfront porch featuring cypress wood ceilings and an outdoor kitchen with 2 Big Green Egg grills, and a Viking grill—ideal for enjoying picturesque waterfront views, host family gatherings, or entertaining guests. You’ll be greeted with marble steps with grand balustrades that lead to a stately foyer and an open-concept great room with soaring ceilings, a grand fireplace, Tigerwood floors, and a classic cherry wood wet bar with Sub Zero appliances, double layered Bahia blue granite, stained glass, and a marble powder bath. The remodeled chef’s kitchen is a dream come true, complete with soft-touch wood cabinetry, a spacious pantry, premium granite countertops, a gas cooktop and oven, commercial grade warming drawers, Sub Zero refrigerator that sits inside custom cabinetry with built-in spice racks, 2 Miele dishwashers, a copper sink, and marble floors, all overlooking the family room and reading loft. The master bedroom suite is a luxurious retreat with vaulted ceilings, a sitting area, wet bar, double faced fireplace, jetted tub, a walk-in wardrobe room with custom-built cabinets, Tigerwood floors with double French doors leading to the expansive balcony. On the ground floor, over 3,700 sq ft is devoted to a massive 6-car garage, workshop, 1,000 bottle wine cellar with concrete walls and ceiling, a solid custom door, brick floors, and custom venetian-styled painting, and additional flex spaces. The ground floor has been thoughtfully created to be an easy in-law/apartment with a living room/dining room, bedroom, bathroom and plumbed for kitchen. The main living quarters are thoughtfully positioned above the flood plain for added peace of mind. This one-of-a-kind Hernando Beach waterfront estate blends luxury, function, and lasting quality for discerning buyers seeking the best in coastal living. Fish for sheepshead, redfish, blue crab and many others right from your dock. The community is golf cart friendly and allows short-term rentals with no HOA, no deed restrictions, making it perfect for full-time residents, or potential AIRBNB income. Minutes to US 19, walking distance to several amazing local restaurants and close to the Suncoast parkway for quick access to the airport, Tampa, Clearwater and St. Pete Beaches. Also close to Pine Island, Homosassa Springs, the famous Weeki Wachee live mermaids & Tarpon Springs Sponge Docks.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,756

Sqft

0.41 ac

Lot size

6

Garage

1997

Year built

Two

Levels

$398

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringCeramic Tile · Engineered Hardwood
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Whole House R.O. System · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionHardiPlank Type · Stucco · Wood Frame
FoundationStilt/On Piling
ViewWater
FacesWest
ParkingBath In Garage · Circular Driveway · Ground Level
ExteriorBalcony · French Doors · Garden · Hurricane Shutters · Irrigation System · Lighting · Rain Gutters

Community & fees

Taxes (2025)$12,092/yr

Utilities & systems

UtilitiesBB/HS Internet Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,795 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,067
PMI (est., until 20% equity)$561
Property tax — 2025 actual bill$1,008
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $149,500
Interest rate6.00%
Loan term

Estimated payment

$9,795/mo

Principal & interest$8,067
PMI (est., until 20% equity)$561
Property taxes (actual bill)$1,008
Est. insurance$160

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.

$/sqft vs HERNANDO BEACH

$398 vs $353

Days on market

44 vs 35 typical

Where $398/sqft sits among the 28 homes for sale in HERNANDO BEACH

5
7
5
5 · this home
2
4
$254–295$295–336$336–377$377–418$418–459$459+

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

Map of 4146 DIAZ COURT

Drive times from this address

Tampa Int’l Airport (TPA)75 min

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

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle School★★★★
HighWeeki Wachee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando Beach market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$495K$488K

Hernando Beach median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

13 of 28

HERNANDO BEACH have cut their price

Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 353% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Jun 19, 2026Listed at $1,495,000 · 44 days on market since
1997Built · HERNANDO BEACH

Reality check

What actually sold near 4146 DIAZ COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3207 HIBISCUS DRIVESold · Oct ’25

$650,000

3207 HIBISCUS DRIVE · same community

4 bd · 3 ba · 2,512 sqft · $259/sqft · 257 DOM

4048 BLUEFISH DRIVESold · Apr ’26

$265,000

4048 BLUEFISH DRIVE · same community

4 bd · 3 ba · 2,496 sqft · $106/sqft · 259 DOM

4375 2ND ISLE DRIVESold · Jan ’26

$1,150,000

4375 2ND ISLE DRIVE · same community

3 bd · 2 ba · 2,321 sqft · $495/sqft · 58 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4146 DIAZ COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4146 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.

Goes straight to David’s phone and CRM.

Straight answers

4146 DIAZ COURT FAQs

What would the monthly payment be for 4146 DIAZ COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,795/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 4146 DIAZ COURT?+

The most recent tax bill on record (2025) was $12,092. 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 $1,495,000, this home is listed about 173% 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 4146 DIAZ COURT?+

Westside Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX MARKETING SPECIALISTS · Fran Meyer, PA. MLS #W7886890.

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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