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$500,000

4384 4TH ISLE DRIVE, HERNANDO BEACH, FL 34607

Active142 days on market

Beds

Baths

Sq Ft

1,246 sq ft

Year Built

1971

Lot Size

0.21 acres

Garage

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About This Property

One or more photo(s) has been virtually staged. PRICE IMPROVED · GULF ACCESS IN MINUTES · PRIVATE BOAT RAMP · 90' OF WATERFRONT · HERNANDO BEACH · 500,000. 90 FEET OF WATERFRONT on a LOT AND A HALF in a CUL-DE-SAC in Hernando Beach with your very own PRIVATE BOAT RAMP in the backyard. Not a community ramp. Not a public ramp. Yours. Launch your boat and be in the OPEN GULF IN 5 MINUTES. Scalloping season, offshore fishing, sunset cruises -- this becomes your normal. The backyard is the reason people fall in love with this one. FLOATING DOCK. SEAWALL WITH CAP. TIKI HUT. FIREPIT. FENCED DOG RUN. HUGE PAVER SIDE YARD. GARDEN AREA. The kind of backyard that makes your friends stop asking why you moved to Florida. Inside -- CEMENT BOARD CONSTRUCTION. TILE FLOORING THROUGHOUT. ELEVATED LOT. NEW ROOF 2024. NEW HOT WATER HEATER 2025. ALL NEW KITCHEN APPLIANCES 2024. DUAL PANE WINDOWS. The big ticket items are done and this home is ready for its next chapter. NO HOA. NO SHORT-TERM RENTAL RESTRICTIONS. Golf cart friendly community. Use it as a full time home, a weekend escape, or an income producing waterfront rental. The flexibility is yours. Evenings at Brian's Place. Lunch at The Lazy Lizard. Live music at the tiki bar. Morning coffee on the dock. Minutes from Weeki Wachee River, Pine Island Beach, and Rogers Park. 4384 4th Isle Drive, Hernando Beach · 500,000.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #W7882944

StatusActive

Year Built1971

Stories1

Total Rooms5

ConstructionStucco, Wood Frame

RoofShingle

FoundationSlab

FacesWest

SubdivisionHERNANDO BEACH

CountyHernando

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s)

FlooringTile

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

LaundryIn Garage

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorFire Pit

Lot Size0.21 acres (9,000 sq ft)

Road SurfacePaved

Pool & Spa

Private PoolNo

SpaAbove Ground, Heated

Waterfront

WaterfrontYes

FeaturesCanal - Saltwater, Gulf/Ocean

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$500,000

Original Price$515,000

Annual Taxes$1,020 (2025)

FinancingCash, Conventional, FHA, USDA Loan, VA Loan

ZoningR1B

Parcel #R1222316231008700030

Schools

ElementaryWestside Elementary-HN

MiddleFox Chapel Middle School

HighWeeki Wachee High School

Directions

West on 50/Cortez Blvd, Straight onto Shoal Line Blvd, left on Calienta St, left on Gulf Coast Dr, left on 4th Isle Dr, property will be on the right.

Location

4384 4TH ISLE DRIVE, HERNANDO BEACH, FL 34607

Listing Information

OfficeMERIDIAN REAL ESTATE

ListedFebruary 16, 2026

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Home Price

$500,000

Down Payment20% ($100,000)

Interest Rate6.75%

Loan Term

Principal & Interest$2,594

Property Tax (est.)$458

Insurance (est.)$150

Total Monthly$3,203

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Nearby Schools

Elementary School

Westside Elementary-HN

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Middle School

Fox Chapel Middle School

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High School

Weeki Wachee High School

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How to Buy This Home

Multiple financing options available for this $500,000 home in HERNANDO BEACH.

🏛️

FHA Loan

$17,500 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

$25,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 8, 2026.