$439,900
1566 INDIAN BAY ROAD, SPRING HILL, FL 34607
Beds
2
Baths
2
Sq Ft
1,536 sq ft
Year Built
2001
Lot Size
0.29 acres
Garage
—
About This Property
Welcome to your laid-back coastal retreat in the desirable Indian Bay neighborhood of Hernando County. This elevated two-bedroom, one-and-a-half-bath home captures the essence of Gulf-side living with inviting spaces and breezy waterfront charm. Step inside to a light-filled family room that flows effortlessly into a spacious kitchen designed for both function and style. Featuring abundant cabinetry, granite countertops, and a cozy eat-in area, the kitchen overlooks the Gulf—creating the perfect backdrop for morning coffee or evening meals. Both the kitchen and family room offer sliding glass doors that open to a covered, screened front deck where you can unwind and take in stunning sunset views over the water. The home offers two generously sized bedrooms, each with pocket sliding doors, ample closet space, and private sliding glass doors leading to an expansive 31-foot covered back patio overlooking a peaceful, wooded backyard—ideal for relaxing or entertaining in a more secluded setting. Need extra space? A charming spiral staircase in the family room leads to a 31’ x 12’ loft, currently utilized as a third bedroom, offering flexibility for guests, a home office, or creative space. Underneath the home, you’ll find an impressive 60’ x 31’ area with 11-foot ceiling height and a convenient half bath—perfect for storing boats, RVs, or all your coastal lifestyle toys. Ideally located just minutes from Hernando Beach shopping, dining, and local marinas, this home offers the perfect blend of comfort, functionality, and relaxed coastal living. Whether you’re looking for a full-time residence, weekend getaway or Short term rental property, this Gulf-view gem is ready to welcome you home.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From Us 19 to Osowaw Blvd to Indian Bay Rd
Location
1566 INDIAN BAY ROAD, SPRING HILL, FL 34607
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$439,900
Loan Term
How to Buy This Home
Multiple financing options available for this $439,900 home in SPRING HILL.
🏛️
FHA Loan
$15,397 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$21,995 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 25, 2026.