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$499,000

4114 ORCHID DRIVE, HERNANDO BEACH, FL 34607

3D Tour
Active32 days on market

Beds

3

Baths

2

Sq Ft

1,561 sq ft

Year Built

1974

Lot Size

0.17 acres

Garage

2

About This Property

Welcome to waterfront living at its finest in Hernando Beach! This gorgeous 3-bedroom, 2-bathroom home offers direct Gulf access and has been completely remodeled from top to bottom in 2025, with an incredible level of quality, craftsmanship, and attention to detail. This is truly a home where the major work has already been done for you! The renovation includes new drywall, insulation, wiring, lighting, electrical outlets and switches, and a new electrical panel box, along with brand-new plumbing featuring PEX piping, a new HVAC system, new water heater, and new interior and exterior doors, including the garage door. The kitchen is a showstopper, featuring beautiful soft-close wood cabinetry, granite countertops, and stainless-steel appliances. Both bathrooms have been thoughtfully updated with dual vanities and granite countertops, creating a stylish and functional feel throughout. The home also offers a versatile flex room with sliding glass doors opening directly to the patio, providing valuable additional living space that can easily serve as a home office, den, game room, hobby area, or comfortable gathering space overlooking the waterfront. Additional features include newer double-pane windows with plantation shutters, a spacious primary suite with a walk-in closet and convenient access from the bathroom to the outdoor patio, a freshly painted exterior, and an epoxy-coated garage floor. Every detail has been carefully considered to create a home that is truly move-in ready. And then there’s the outdoor lifestyle! Step outside onto an impressive 33’ x 20’ paver patio overlooking the canal, complete with a 5-person hot tub and a fantastic tiki hut, providing the perfect shaded retreat for relaxing, entertaining, or enjoying the beautiful Florida weather. The aluminum-fenced yard leads down to the water, where you’ll find approximately 80 feet of seawall, a dock perfect for fishing and manatee watching, and the convenience of direct Gulf access. Bring the boat, kayaks, paddleboards, or fishing gear and enjoy the incredible waterways of Hernando Beach right from your own backyard. One of the home’s standout improvements is the newly installed Hydro-Dam water barrier system, adding an additional layer of protection and peace of mind for this exceptional waterfront property. Hernando Beach offers the quintessential Florida coastal lifestyle, with boating, fishing, kayaking, paddleboarding, waterfront dining, spectacular sunsets, and endless opportunities to enjoy the Gulf—all right outside your door. Spend the day on the water, explore the area’s beautiful waterways, enjoy local waterfront restaurants, or take the boat out for a day on the open Gulf. Beautifully remodeled, meticulously maintained, and loaded with thoughtful upgrades, this exceptional waterfront home delivers the Hernando Beach lifestyle you’ve been waiting for. With direct Gulf access, a flexible floor plan, an incredible outdoor entertaining area, and virtually every major system updated in 2025, this is a home you won’t want to miss!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8542103
StatusActive
Year Built1974
Stories1
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionHERNANDO BEACH
CountyHernando
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryIn Garage
WindowsBlinds
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorRain Gutters, Sliding Doors
FencingFenced, Other
Lot Size0.17 acres (7,400 sq ft)
Lot FeaturesLandscaped, Level, Street Dead-End
Road SurfacePaved
ViewWater

Pool & Spa

Private PoolNo
SpaAbove Ground

Waterfront

WaterfrontYes
FeaturesCanal - Saltwater

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$499,000
Original Price$515,000
Annual Taxes$1,695 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPDP
Parcel #R1322316234010400390

Directions

From Shoal Line Blvd to Companero Entra to Orchid

Location

4114 ORCHID DRIVE, HERNANDO BEACH, FL 34607

Listing Information

OfficePEOPLE'S TRUST REALTY
ListedAugust 25, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$499,000

20% ($99,800)
6.75%

Loan Term

Principal & Interest$2,589
Property Tax (est.)$457
Insurance (est.)$150
Total Monthly$3,197
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How to Buy This Home

Multiple financing options available for this $499,000 home in HERNANDO BEACH.

🏛️

FHA Loan

$17,465 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

$24,950 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 25, 2026.

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