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- Hernando Beach Homes for Sale
- 4514 NEPTUNE DRIVE
$610,000
4514 NEPTUNE DRIVE, HERNANDO BEACH, FL 34607
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
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
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
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$610,000
Loan Term
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.