$399,999
5059 OAK LEAF LANE, HERNANDO BEACH, FL 34607
Beds
3
Baths
3
Sq Ft
1,680 sq ft
Year Built
2010
Lot Size
0.14 acres
Garage
4
About This Property
Virtually Staged. Experience the Hernando Beach lifestyle and enjoy coastal living in this beautifully maintained, fully furnished stilt home. Just minutes from the Gulf and close to the community boat ramp, it’s easy to spend your days boating, fishing, or exploring the coast. The open-concept main living area features elegant engineered hardwood flooring and flows into a bright kitchen with ample cabinetry and a large island. The primary suite offers a walk-in closet and en-suite bathroom, while two additional bedrooms and a full bath provide comfortable space for family or guests. A dedicated laundry room adds everyday convenience. Downstairs, a private studio with its own bathroom offers flexible space for guests, a home office, or hobbies. The studio features porcelain tile flooring and PVC wall panels for added peace of mind in the event of flooding. The oversized garage provides room for multiple vehicles, recreational toys, and storage. Along with the capability to accommodate an EV charger. A fenced backyard offers privacy and space to enjoy the outdoors. With nearby marinas, restaurants, and nature preserves, this home offers a relaxed coastal setting with versatile spaces and thoughtful features. Additional highlights include a 2019 HVAC system, a 2015 roof, no HOA fees, and low electricity costs thanks to extra attic insulation.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US-19, turn onto Osowaw Boulevard and continue toward Hernando Beach. Turn onto Oak Leaf Lane and follow it to 5059 Oak Leaf Lane.
Location
5059 OAK LEAF LANE, HERNANDO BEACH, FL 34607
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$399,999
Loan Term
How to Buy This Home
Multiple financing options available for this $399,999 home in HERNANDO BEACH.
🏛️
FHA Loan
$14,000 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
$20,000 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: November 3, 2026.