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$799,000

4365 4TH ISLE DRIVE, HERNANDO BEACH, FL 34607

3D Tour
Active78 days on market

Beds

3

Baths

3

Sq Ft

1,838 sq ft

Year Built

1996

Lot Size

0.21 acres

Garage

2

About This Property

WATERFRONT VIEWS FROM EVERY ROOM! Welcome to this beautifully UPDATED ELEVATED WATERFRONT HOME with DIRECT GULF ACCESS, perfectly positioned on an OVERSIZED CORNER LOT in one of Hernando Beach's most desirable CUL-DE-SAC locations. Boasting 147 FEET OF SEAWALL, expansive canal frontage, and a REAR WESTERN EXPOSURE for breathtaking Florida sunsets, this exceptional property delivers the ultimate waterfront lifestyle for boaters, anglers, kayakers, and nature lovers alike. The oversized driveway provides ample space for your BOAT, RV, TRAILERS, GOLF CARTS, AND GUEST PARKING, while the oversized 2-CAR GARAGE offers abundant storage for all your coastal gear. The spacious backyard offers ROOM FOR A CUSTOM POOL and the perfect setting for outdoor entertaining or relaxing while enjoying peaceful water views and frequent wildlife sightings including dolphins and manatees. The 1347 SF air conditioned upper level has 3 bedroom and 2 bathrooms as well as a bright OPEN-CONCEPT GREAT ROOM featuring SOARING VAULTED CEILINGS, abundant natural light, and NEW LUXURY VINYL PLANK FLOORING throughout the main living area. The COMPLETELY RENOVATED KITCHEN is the centerpiece of the home with GRANITE COUNTERTOPS, WHITE SHAKER CABINETRY WITH CROWN MOLDING, STAINLESS STEEL APPLIANCES, a large breakfast bar, and seamless flow into the dining and living areas--ideal for entertaining. Large BAY WINDOWS and SLIDING GLASS DOORS showcase stunning waterfront views and open to the SCREENED LANAI, creating effortless indoor-outdoor living perfect for enjoying morning coffee, evening cocktails, and Florida sunsets. The primary suite features private lanai access, a WALK-IN CLOSET, and an ENSUITE BATH with a new DOUBLE-SINK VANITY and WALK-IN TILED SHOWER. The SPLIT FLOOR PLAN offers two additional guest bedrooms on the far end of the home, including one with a charming bay window and built-in bench. The guest bathroom has a tiled tub/shower combo with a NEW VANITY. Upstairs laundry with front-loading washer and dryer adds convenience. The lower level offers a 2 car garage as well as an additional 491SF of AIR-CONDITIONED space that can be utilized as additional flex space including a FULL BATHROOM, KITCHENETTE, and multiple FLEX AREAS ideal for a HOME OFFICE, MEDIA ROOM, GAME ROOM, FITNESS ROOM, GUEST SUITE, OR ENTERTAINING SPACE. Sliding glass doors lead to a covered waterfront patio and direct access to the backyard, seawall, and FLOATING DOCK. This property offers very reasonable HOMEOWNERS INSURANCE of 2,578 dollars per year for an owner occupant and new FLOOD INSURANCE of APPROX. 2,827 dollars per year. Located in the vibrant Hernando Beach Waterfront Community surrounded entirely by the Weeki Wachee Preserve and the GULF, residents enjoy hiking, boating, kayaking, paddleboarding, and fishing. Just minutes from Weeki Wachee Springs State Park, plus nearby shopping, dining, and medical facilities. The area is GOLF CART FRIENDLY, allows SHORT-TERM RENTALS, and has NO HOA, CDD or DEED RESTRICTIONS, making it ideal for full-time living, a vacation home, or a high-performing investment property. With convenient access to the Suncoast Parkway, commuting to Tampa, Brooksville, and surrounding areas is easy.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8525774
StatusActive
Year Built1996
Stories2
Total Rooms4
ConstructionStucco, Wood Frame
RoofShingle
FoundationStilt/On Piling
FacesNortheast
SubdivisionHERNANDO BEACH
CountyHernando
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Split Bedroom, Stone Counters, Walk-In Closet(s)
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Closet, Upper Level
CoolingCentral Air
HeatingCentral, Wall Units / Window Unit

Exterior & Lot

ExteriorSliding Doors, Storage
FencingChain Link
Lot Size0.21 acres (9,301 sq ft)
Lot FeaturesCleared, Corner Lot, Cul-De-Sac, Flood Insurance Required, FloodZone, Near Marina, Near Public Transit, Oversized Lot
Road SurfaceAsphalt, Paved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesCanal Front, Waterfront, Canal - Saltwater

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$799,000
Annual Taxes$3,031 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR1B
Parcel #R1222316231008700080

Schools

ElementaryWestside Elementary-HN
MiddleFox Chapel Middle School
HighWeeki Wachee High School

Directions

North on Shoal Line Blvd left onto Caliente to left on Gulf Coast Dr to left on 4th Isle to home in Cul De Sac

Location

4365 4TH ISLE DRIVE, HERNANDO BEACH, FL 34607

Listing Information

OfficeHILL POINT REALTY INC.
ListedJuly 8, 2026

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Home Price

$799,000

20% ($159,800)
6.75%

Loan Term

Principal & Interest$4,146
Property Tax (est.)$732
Insurance (est.)$150
Total Monthly$5,028
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $799,000 home in HERNANDO BEACH.

🏛️

FHA Loan

$27,965 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

$39,950 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: September 24, 2026.

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