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$715,000

4191 CAMELIA DRIVE, HERNANDO BEACH, FL 34607

3D Tour
Active4 days on market

Beds

3

Baths

4

Sq Ft

2,532 sq ft

Year Built

1991

Lot Size

0.16 acres

Garage

3

About This Property

"One or more photos have been virtually staged" . DIRECT GULF ACCESS! OVERSIZED CORNER LOT, WEST-FACING SUNSET VIEWS, AND PARTIAL GULF VIEWS from the third level! This spacious three-story home offers 2,532 SF of air-conditioned living space on the second and third levels, 3 bedrooms (with potential for more), 2 full baths, and 2 half baths. A decorative stamped driveway and grand staircase lead to the double-door entry on the second level. The inviting great room design includes formal living and dining rooms and a family room with a gas-burning fireplace. The kitchen features white cabinetry, Corian countertops, an L-shaped island with breakfast bar, and an adjoining breakfast nook. Wall-to-wall family room windows showcase water views and fill the space with natural light. A bay window highlights the formal living room, while French doors from the dining room open to the Florida room, with sliders leading to the wraparound porch extending around the entire second level. A half bath completes this level. Need more bedrooms? The flexible layout offers opportunities to create additional bedrooms . The third floor opens to a flex space with a custom window framing water views, ideal for a desk or sitting area. The spacious primary suite features sliding glass doors to a balcony overlooking the Gulf, perfect for sunset views. The primary bath offers double sinks, ample cabinetry and counter space, a soaking tub, a walk-in shower with floor-to-ceiling tile and custom glass door, and a walk-in closet. Two additional bedrooms feature water views and walk-in closets; one has sliders to the back balcony. The guest bath includes a tub/shower combination, tile flooring, and a vanity with seamless sink. The ground level features an open space with a ½ bath, a 3-car garage with a front-facing 2-car garage and separate side-entry garage with its own driveway, plus ample storage space. Outside enjoy covered and uncovered patios, lush landscaping, room for a pool, and a private canal with 77 feet of waterfront, a davit for a small boat or jet skis, and a stationary dock. 2026 updates include fresh interior paint, vinyl flooring throughout (no carpet), and a new hot water heater. Additional features include AC (2020), newer double-pane sliders, impact windows, and a 2023 roof. Reported homeowners insurance: $1,827 per year. Located in the vibrant Hernando Beach Waterfront Community surrounded entirely by the Weeki Wachee Preserve and the GULF, residents enjoy hiking, boating, kayaking, paddleboarding, and fishing. The area is GOLF CART FRIENDLY, allows SHORT-TERM RENTALS, and has NO HOA, CDD or DEED RESTRICTIONS, making it ideal for full-time living, a vacation home, or a high-performing investment property.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #W7890258
StatusActive
Year Built1991
Stories3
Total Rooms4
ConstructionStucco, Vinyl Siding, Wood Frame
RoofShingle
FoundationStilt/On Piling
FacesEast
SubdivisionHERNANDO BEACH
CountyHernando
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Stone Counters, Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsWindow Treatments
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorLighting, Outdoor Shower, Storage
FencingChain Link
Lot Size0.16 acres (7,164 sq ft)
Lot FeaturesCorner Lot, Flood Insurance Required, FloodZone, In County, Landscaped, Near Marina, Near Public Transit, Street Dead-End
Road SurfaceAsphalt, Paved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesCanal Front, Waterfront, Canal - Saltwater

Utilities

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

Parking

GarageYes (3 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$715,000
Annual Taxes$3,034 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR1B
Parcel #R1322316234010100280

Schools

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

Directions

Shoal Line Blvd North to left on Companero Entra to right on Camelia home on left side of street

Location

4191 CAMELIA DRIVE, HERNANDO BEACH, FL 34607

Listing Information

OfficeHILL POINT REALTY INC.
ListedOctober 15, 2026

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Home Price

$715,000

20% ($143,000)
6.75%

Loan Term

Principal & Interest$3,710
Property Tax (est.)$655
Insurance (est.)$150
Total Monthly$4,515
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $715,000 home in HERNANDO BEACH.

🏛️

FHA Loan

$25,025 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

$35,750 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: October 19, 2026.

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