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$1,249,000

3194 INDIAN GULF LANE, HERNANDO BEACH, FL 34607

3D Tour
Active42 days on market

Beds

2

Baths

2

Sq Ft

1,906 sq ft

Year Built

1984

Lot Size

0.18 acres

Garage

,

About This Property

Sweeping Gulf views, direct boating access and a private concrete boat ramp define this renovated waterfront home at 3194 Indian Gulf Lane in Aripeka, within the greater Hernando Beach market area. This 2-bedroom, 2-bath coastal residence offers approximately 1,906 square feet of living area and approximately 60 feet of poured-concrete seawall. The residence has undergone substantial renovation and updating, creating a bright, inviting interior with a flowing layout designed to take full advantage of the waterfront setting. The updated kitchen features granite countertops, stainless-steel appliances, a large center island with seating, generous cabinetry, and an open connection to the dining and living areas. Expansive windows and glass doors bring abundant natural light and coastal views into the principal living spaces. The main level also includes the second bedroom, full bath, interior laundry, and an impressive Florida room overlooking the water. Updated flooring, ceiling fans, contemporary finishes, built-in cabinetry and shelving complete the interior. A dramatic spiral staircase leads to the private upper-level primary suite with walk-in closet and adjoining bath. The exterior renovation represents a significant investment. The home was extensively refinished with a Dryvit stucco exterior system, a substantial and costly improvement that gives the residence a refined architectural appearance and contributes materially to its updated finish quality. Additional improvements include a newer metal roof, newer central air-conditioning system, and extensive deck improvements. The expansive rear deck provides an outstanding setting for dining, entertaining, relaxing, and enjoying spectacular sunsets and ever-changing coastal scenery. From the seawall and private boat ramp, enjoy direct access to the surrounding waterways for boating, kayaking, fishing, and exploration of the Gulf. Open water, tidal wetlands, natural shoreline, and undeveloped coastal views create a setting that is increasingly difficult to find. The location also places an exceptional collection of Nature Coast recreation within convenient reach. Nearby destinations 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. To the south, SunWest Park in Hudson offers a public swimming beach and additional water recreation. Weeki Wachee Springs is also nearby. Popular Hernando Beach dining options include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping and everyday services, including the familiar Cracker Barrel on Commercial Way. For buyers searching the Hernando Beach and 34607 waterfront market, 3194 Indian Gulf Lane offers a rare combination of extensive renovation, direct boating access, exceptional Gulf views and a remarkably natural coastal setting.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7888817
StatusActive
Year Built1984
Total Rooms8
ConstructionStucco, Wood Frame
RoofMetal
FoundationSlab
FacesNorth
SubdivisionINDIAN BAY COUNTRY HOMES UNREC
CountyHernando
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Open Floorplan, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCeramic Tile, Laminate
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsAluminum Frames
CoolingCentral Air
HeatingCentral, Electric
SecurityTouchless Entry

Exterior & Lot

ExteriorBalcony, Sliding Doors
Lot Size0.18 acres (7,920 sq ft)
Lot Dimensions60 x 132
Lot FeaturesFloodZone, In County, Level
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesGulf/Ocean

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesCable Connected, Electricity Connected, Water Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$1,249,000
Annual Taxes$18,388 (2025)
FinancingCash, Conventional, VA Loan
ZoningR1A
Parcel #R2522316261500100150

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 3194 Indian Gulf Lane.

Location

3194 INDIAN GULF LANE, HERNANDO BEACH, FL 34607

Listing Information

OfficeBRIDGE POINT BUSINESS REAL EST
ListedAugust 25, 2026

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Home Price

$1,249,000

20% ($249,800)
6.75%

Loan Term

Principal & Interest$6,481
Property Tax (est.)$1,145
Insurance (est.)$150
Total Monthly$7,776
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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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