3345 POINSETTIA DRIVE, HERNANDO BEACH, FL, 34607
Active35 days on marketListed Jun 29, 2026MLS #W7887164
About this home
3345 POINSETTIA DRIVE
Coastal Living Meets Comfortable Waterfront Living in Hernando Beach! Welcome to this beautifully designed 2-bedroom, 2-bathroom waterfront home where the open floor plan is centered around a stunning cook's kitchen—the true heart of the home. Whether you're preparing dinner for family or entertaining friends, you'll appreciate the quartz countertops, oversized center island, stainless steel appliances, white shaker cabinetry, and an abundance of storage. The split-bedroom layout provides privacy for owners and guests, while luxury vinyl plank and ceramic tile flooring throughout make for easy coastal living. Step through the rear of the home to the large screened porch overlooking the peaceful freshwater canal, the perfect place to enjoy your morning coffee, evening sunsets, or watch Florida's native wildlife. The fenced backyard offers additional privacy and space for pets or outdoor entertaining. Outside, you'll find 62 feet of concrete seawall and a floating dock on a spring-fed freshwater canal with indirect Gulf access. From your backyard you can launch your boat, kayak, or paddleboard and enjoy the waterfront lifestyle. Boaters can reach the Gulf of Mexico by using the community boat lift to cross into the saltwater canal system before passing under a fixed bridge, making this an excellent location for owners of smaller boats looking for affordable waterfront living. Located in the desirable Hernando Beach Middle Section, this home offers all the advantages of waterfront ownership with no HOA. Short-term rentals are permitted, and owners have the freedom to keep boats, trailers, RVs, and commercial vehicles on their property while also being able to install up to 8-foot privacy fences. Hernando Beach is one of Florida's hidden coastal treasures, where life revolves around boating, fishing, and enjoying the natural beauty of the Gulf Coast. Surrounded by protected coastal marshes and the Gulf of Mexico, the community features waterfront restaurants, tiki bars, marinas, seafood markets, and a relaxed Old Florida atmosphere. Outdoor enthusiasts will love the incredible fishing opportunities for redfish, snook, trout, tarpon, grouper, and kingfish, while nearby offshore waters offer easy access to world-class fishing. The crystal-clear Weeki Wachee River is only minutes away for kayaking, paddleboarding, swimming, and enjoying its constant 74-degree spring-fed waters. Popular boating destinations such as the Hernando Beach Flats, Homosassa, Crystal River, and Anclote Key are all within easy reach by boat. Although it feels like a secluded waterfront retreat, Hernando Beach is only about 10 minutes from US-19, offering convenient access to shopping, restaurants, Publix, Walmart, Sam's Club, medical facilities, and everyday conveniences. Tampa International Airport is approximately one hour away, with Orlando's attractions less than 90 minutes away. Whether you're searching for a full-time residence, weekend getaway, vacation rental, or affordable waterfront retreat, this home offers the opportunity to embrace the Gulf Coast lifestyle in one of Florida's most unique boating communities. Come discover why so many people choose to call Hernando Beach home.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,476
Sqft
0.14 ac
Lot size
1
Garage
1985
Year built
One
Levels
$332
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.
$3,397 /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
$3,397/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.
vs edgeAI estimate
+40.7%
$/sqft vs HERNANDO BEACH
$332 vs $358
Days on market
35 vs 35 typical
Where $332/sqft sits among the 28 homes for sale in HERNANDO BEACH
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
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)
12 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 50% 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 3345 POINSETTIA 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$595,000
4137 DES PREZ COURT · same community
3 bd · 2 ba · 1,470 sqft · $405/sqft · 25 DOM
Sold · Feb ’26$495,000
3363 POINSETTIA DRIVE · same community
3 bd · 2 ba · 1,440 sqft · $344/sqft · 0 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 3345 POINSETTIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3345 POINSETTIA 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
3345 POINSETTIA DRIVE FAQs
What would the monthly payment be for 3345 POINSETTIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,397/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 3345 POINSETTIA DRIVE?+
The most recent tax bill on record (2025) was $1,634. 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 $490,000, this home is listed about 11% 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 3345 POINSETTIA DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$490,000 runs 50% 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.
03The price has already moved
Listed at $499,000, now $490,000 — a $9K 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 #W7887164.
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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