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$1,199,000

3198 INDIAN GULF LANE, HERNANDO BEACH, FL 34607

3D Tour
Active42 days on market

Beds

2

Baths

3

Sq Ft

1,344 sq ft

Year Built

1984

Lot Size

0.36 acres

Garage

1

About This Property

Open water views, a private boat lift and an expansive upper balcony highlight this extensively renovated coastal residence at 3198 Indian Gulf Lane in Aripeka, within the greater Hernando Beach market area. Adjoining Lot 13 is included in the offering and forms an integral part of the homesite. The property combines comfortable coastal living with open water views, a poured-concrete seawall, private boat lift, expansive upper balcony, large covered ground-level entertaining area and one-car garage. The main living level features an open and inviting floor plan designed to take advantage of the surrounding waterfront setting. The living room, dining area and remodeled kitchen flow together, with generous windows and sliding glass doors providing abundant natural light and views toward the water. The kitchen features white cabinetry, granite countertops, stainless-steel appliances, extensive counter space and a large island/breakfast bar providing additional seating and workspace. Wood-look flooring, plantation shutters, ceiling fans and coordinated coastal finishes contribute to the home's updated presentation. The adjoining upper balcony substantially extends the living and dining areas outdoors and provides an inviting setting for relaxing, dining or enjoying the natural waterfront surroundings. The upper level includes the primary bedroom with private bath, a second bedroom, an additional full bath and laundry area. A finished first-floor room provides valuable additional flexibility. Although this room does not have a closet, it is finished consistently with the home, has a window and conventional access, and includes a full private bathroom. The space is well suited for use as a guest bedroom, den, home office or other flex space. Outdoor living is equally impressive. A substantial covered paver area beneath the home creates a shaded entertaining space complete with a dedicated bar area, while the upper balcony provides elevated views across the water. The poured-concrete seawall and private boat lift make the property particularly appealing for boating, fishing, kayaking and exploring the surrounding waterways leading to the Gulf of America. The home also features a metal roof, paver driveway and extensive updating throughout. Aripeka is part of Florida's Nature Coast and the greater Hernando Beach market area, offering convenient access to a variety of outdoor recreation and waterfront destinations. Nearby amenities include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. SunWest Park in Hudson provides additional beach and water recreation, while Weeki Wachee Springs is also within convenient reach. Popular Hernando Beach dining destinations include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping, dining and everyday services, including Cracker Barrel on Commercial Way. 3198 Indian Gulf Lane offers a distinctive combination of updated coastal living, flexible interior space, boating amenities and the natural waterfront setting that defines the Hernando Beach and 34607 coastal market.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7888807
StatusActive
Year Built1984
Total Rooms6
ConstructionStucco, Wood Frame
RoofMetal
FoundationSlab, Stilt/On Piling
FacesNorth
SubdivisionINDIAN BAY COUNTRY HOMES UNREC
CountyHernando
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Crown Molding, Open Floorplan, PrimaryBedroom Upstairs, Stone Counters, Window Treatments
FlooringBrick/Stone, Ceramic Tile, Luxury Vinyl
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Inside, Upper Level, Washer Hookup
WindowsAluminum Frames, Shutters, Window Treatments
CoolingCentral Air, Wall/Window Unit(s)
HeatingCentral, Electric

Exterior & Lot

ExteriorBalcony, Sliding Doors, Storage
Lot Size0.36 acres (15,632 sq ft)
Lot Dimensions120 x 131
Lot FeaturesFloodZone, In County, Level, Oversized Lot
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesGulf/Ocean

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesCable Connected, Electricity Connected, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$1,199,000
Annual Taxes$17,674 (2025)
FinancingCash, Conventional, VA Loan
ZoningR1A
Parcel #R2522316261500100140

Directions

From U.S. Highway 19 (Commercial Way), travel west on Spring Hill Drive (CR-574 W). Continue as Spring Hill Drive becomes Osowaw Boulevard (CR-595 W). Turn left to remain on Osowaw Boulevard, then turn right onto Indian Bay Road. Bear slightly left onto Indian Gulf Lane and continue to 3198 Indian Gulf Lane.

Location

3198 INDIAN GULF LANE, HERNANDO BEACH, FL 34607

Listing Information

OfficeBRIDGE POINT BUSINESS REAL EST
ListedAugust 25, 2026

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Home Price

$1,199,000

20% ($239,800)
6.75%

Loan Term

Principal & Interest$6,221
Property Tax (est.)$1,099
Insurance (est.)$150
Total Monthly$7,470
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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: October 1, 2026.

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