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$610,000

4514 NEPTUNE DRIVE, HERNANDO BEACH, FL 34607

3D Tour
Active8 days on market

Beds

2

Baths

2

Sq Ft

1,389 sq ft

Year Built

1992

Lot Size

0.17 acres

Garage

2

About This Property

Welcome to this spacious 2-BEDROOM, 2-BATH HOME WITH 1st level FLEX & GAME/ENTERTAINMENT SPACE, a 2-CAR GARAGE, ABOVE GROUND POOL CAN BE REMOVED UPON REQUEST . and a desirable CUL-DE-SAC location. Situated on a corner lot with approximately 120 FEET OF CONCRETE SEAWALL AND A FLOATING DOCK, this home offers an exceptional waterfront setting and DIRECT GULF ACCESS in the heart of Hernando Beach. A covered entry welcomes you into a soaring foyer and bright main living area featuring VAULTED CEILINGS, laminate wood-look flooring and an abundance of windows. Pocketing 4-panel sliding glass doors open the living space to the SCREENED UPPER-LEVEL PORCH, creating a seamless indoor/outdoor living experience with beautiful water views. The family and dining areas flow into the beautifully UPDATED KITCHEN (2022) featuring quartz countertops, custom blue cabinetry with accent glass doors, quartz backsplash, under-cabinet lighting, stainless steel appliances and porcelain wood-look tile flooring. A charming kitchen nook surrounded by bay windows, custom lighting, plant shelves and a pantry closet completes this bright and inviting space. The spacious primary suite features a vaulted ceiling, French doors with built-in blinds leading to the screened porch and a walk-in closet. The primary bath offers a FLOOR-TO-CEILING CUSTOM TILE SHOWER, jetted garden/Jacuzzi tub and granite-topped vanity. The second bedroom also enjoys a water view, while the guest bath features a Corian counter top, vanity and custom floor-to-ceiling tiled shower. Laundry is conveniently located on the upper level. Downstairs expands the possibilities with an approximately 25' X 18' GAME/ENTERTAINMENT ROOM with sliding glass doors opening to a covered porch, plus an approximately 14' X 11' FLEX ROOM ideal for an office, hobby room, workout area or additional storage. Step outside and embrace the HERNANDO BEACH WATERFRONT LIFESTYLE with a spacious backyard, ABOVE-GROUND POOL, covered and screened outdoor spaces, approximately 120 FEET OF SEAWALL, floating dock and plenty of room for entertaining. Bring the boat, kayaks and paddleboards and take advantage of DIRECT GULF ACCESS, with the open Gulf just a short boat ride away. Hernando Beach is known for its laid-back coastal atmosphere, waterfront homes, canals, boating, fishing, kayaking, beautiful sunsets and easy access to the Gulf. Enjoy nearby HERNANDO BEACH BOAT RAMPS, MARINAS, WATERFRONT RESTAURANTS, BEACH ACCESS AND THE HERNANDO BEACH FLATS, a popular area for boating, fishing and enjoying the Nature Coast. Additional highlights include a 2-CAR GARAGE, 30-amp RV plug in the garage, newer front and back storm doors and a WATER SOFTENER SYSTEM INSTALLED IN 2019.Current insurance costs are approximately 1,486/YEAR FOR FLOOD INSURANCE, with a savings of approximately 4,771 dollars and and less than 3000 dollars FOR HOMEOWNERS INSURANCE. Enjoy NO HOA AND NO CDD, with SHORT-TERM RENTALS ALLOWED, offering flexibility as a full-time residence, vacation getaway or investment property. Shopping, medical facilities, entertainment and everyday conveniences are just a short drive away, with convenient access to US-19 and the Suncoast Parkway for travel toward Tampa, Brooksville and surrounding areas. COME LIVE THE HERNANDO BEACH LIFESTYLE--WHERE EVERY DAY FEELS LIKE A VACATION! THIS IS FLORIDA LIVING!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7888889
StatusActive
Year Built1992
Stories2
Total Rooms4
ConstructionVinyl Siding, Wood Frame (FSC Certified)
RoofShingle
FoundationStilt/On Piling
FacesWest
SubdivisionGULF COAST RET
CountyHernando
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringCarpet, Laminate, Porcelain Tile
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener
LaundryElectric Dryer Hookup, Inside, Laundry Closet, Upper Level
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorBalcony, French Doors, Sliding Doors, Storage
Lot Size0.17 acres (7,510 sq ft)
Lot FeaturesCleared, Cul-De-Sac, Flood Insurance Required, FloodZone, Near Marina, Near Public Transit
Road SurfacePaved, Asphalt
ViewWater
0

Waterfront

WaterfrontYes
FeaturesCanal Front, Gulf/Ocean Front, Waterfront, Canal - Saltwater

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$610,000
Annual Taxes$3,611 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR1B
Parcel #R1222316201002600110

Schools

ElementaryWestside Elementary-HN
MiddleFox Chapel Middle School
HighWeeki Wachee High School

Directions

North on Shoal Line Blvd ..bear left Calienta St to left on Flamingo Blvd to Rt on Neptune to cul-de-sac

Location

4514 NEPTUNE DRIVE, HERNANDO BEACH, FL 34607

Listing Information

OfficeHILL POINT REALTY INC.
ListedAugust 26, 2026

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Home Price

$610,000

20% ($122,000)
6.75%

Loan Term

Principal & Interest$3,165
Property Tax (est.)$559
Insurance (est.)$150
Total Monthly$3,874
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $610,000 home in HERNANDO BEACH.

🏛️

FHA Loan

$21,350 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

$30,500 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 3, 2026.

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