$725,000
1524 INDIAN BAY ROAD, HERNANDO BEACH, FL 34607
Beds
2
Baths
2
Sq Ft
1,348 sq ft
Year Built
1945
Lot Size
4.90 acres
Garage
4
About This Property
RARE & REMARKABLE OPPORTUNITY! Discover the perfect blend of privacy, coastal beauty, and future potential with 5 acres MOL offering stunning Gulf views and indirect Gulf access. This truly one-of-a-kind property delivers the ultimate Old Florida lifestyle — where nature, water, and wide-open space come together. The updated 2-bedroom, 1.5-bath home is full of classic Florida character and charm, thoughtfully improved while maintaining its coastal appeal. One of the standout features is the covered and screened patio overlooking the canal — the ideal setting for morning coffee, evening sunsets, fishing, bird watching, and enjoying the peaceful waterfront surroundings. This property feels like your own private sanctuary. For those who need extra space, the impressive 28x24 detached garage provides ample room for boats, kayaks, workshop space, or additional storage. Another amazing feature is the private neighborhood park area across the street that provides direct access to the Gulf. Located just minutes from Hernando Beach, shopping, and local restaurants, you’ll enjoy the charm of this laid-back coastal community while still having acreage that is nearly impossible to find near the water. Whether you’re looking for a private waterfront retreat, multigenerational living potential, or future investment opportunity with subdivision options per Hernando County, this property delivers flexibility and upside that are hard to match. Waterfront acreage. Gulf views. Endless potential. This is what Florida dreams are made of.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Directions
From Us 19 to Osowaw Blvd to Indian Bay Rd
Location
1524 INDIAN BAY ROAD, HERNANDO BEACH, FL 34607
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$725,000
Loan Term
How to Buy This Home
Multiple financing options available for this $725,000 home in HERNANDO BEACH.
🏛️
FHA Loan
$25,375 Down
Government-backed, low down payment. Credit scores as low as 580.
🏦
Conventional
$36,250 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.
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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: July 29, 2026.