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$144,000

CENTAVO COURT, HERNANDO BEACH, FL 34607

Active139 days on market

Beds

—

Baths

Sq Ft

—

Year Built

—

Lot Size

0.11 acres

Garage

—

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About This Property

OWNER FINANCING AVAILABLE. Seize this rare opportunity to own premium waterfront land in a highly desirable location, perfectly suited for your custom coastal retreat. This exceptional vacant lot offers direct, unobstructed access to the Gulf of Mexico, making it a boater’s and angler’s dream. Cruise straight out from your deep-water canal with ease—no bridges, no delays, just open water. Enjoy the freedom of NO HOA restrictions and no required timeframe to build, giving you complete flexibility to design and construct at your own pace. The property is partially fenced for added privacy and provides ample room for boats, trailers, and all your recreational toys. Whether you envision a stunning waterfront residence, a savvy investment, or a future short-term rental, this versatile property delivers endless potential in an unbeatable setting. Build when you’re ready, live how you want, and embrace the ultimate Gulf-access lifestyle.

Property Overview

Property TypeLand

MLS #G5106053

StatusActive

FacesNorth

SubdivisionHERNANDO BEACH

CountyHernando

OwnershipFee Simple

Interior Features

Exterior & Lot

FencingPartial, Vinyl

Lot Size0.11 acres (5,000 sq ft)

Lot Dimensions50 x 100

Lot FeaturesBuildable, Cleared, Level

Road SurfacePaved

ViewWater

Waterfront

WaterfrontYes

FeaturesCanal - Saltwater

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Capable, Cable Available, Electrical Nearby, Sewer Nearby, Water Nearby

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$144,000

Original Price$165,000

Annual Taxes$2,001 (2024)

FinancingCash, Conventional, Owner May Carry

ZoningR

Parcel #R1322316232009500330

Directions

Hwy 19 to West on Osowaw to Right on Shoal Line to Left on Companero to Right on Tampico to Right on Centavo to lot on Right.

Location

CENTAVO COURT, HERNANDO BEACH, FL 34607

Listing Information

OfficeCOLDWELL BANKER HUBBARD HANSEN

ListedJanuary 1, 2026

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Home Price

$144,000

Down Payment20% ($28,800)

Interest Rate6.75%

Loan Term

Principal & Interest$747

Property Tax (est.)$132

Insurance (est.)$150

Total Monthly$1,029

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How to Buy This Home

Multiple financing options available for this $144,000 home in HERNANDO BEACH.

🏦

Conventional

$7,200 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hernando County SHIP

Varies

Income-qualifying Hernando residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 20, 2026.