3245 Gulf Coast Dr, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot5,636 sqft

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

3245 Gulf Coast Dr is a home in Hernando Beach, Hernando Beach. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Own a rare piece of Florida's Gulf Coast on this direct-access waterfront homesite in the sought-after boating community of Hernando Beach. Set on the deep-water canal system with approximately 80 feet of canal frontage and an existing seawall, this lot delivers what waterfront buyers wait for — quick, direct access to the open Gulf of Mexico via the Hernando Beach canal system, with no fixed bridges and no long canal rides between you and the water. SURVEY available for review. This buildable, cleared single-family homesite is a blank canvas for your custom coastal home or elevated Key West–style retreat, zoned R-1B residential and situated in one of Hernando Beach's established canal neighborhoods surrounded by well-kept waterfront homes. The seawall is already in place — a significant head start and cost savings for a new build. With no HOA, you have the flexibility to build, invest, or hold, and short-term rentals are permitted in the community. Construction follows the area's standard coastal elevation requirements (AE flood zone), consistent with the waterfront homes throughout the neighborhood. Ideally located just minutes from marinas, waterfront restaurants and bars, the public boat ramp, and the Hernando Beach Yacht Club, and about an hour from Tampa International Airport, this is a prime position on the Nature Coast. Drop your boat in the backyard and you're minutes from the flats, the sandbar, and some of the best fishing and scalloping the Nature Coast has to offer. Whether you're ready to build your dream home now or looking to secure a scarce direct-access waterfront lot while values climb, opportunities like this — with seawall already in place — are increasingly hard to find in Hernando Beach. For additional site information and details, contact the listing agent.

The essentials

On market
9 days
Annual tax
$2,326
Flood zone
AE
Lot
5,636 sqft
Type
Land

At a glance

Land
Waterfront
Canal - Saltwater
5,636 sqft lot
Lot size

Payment

Est. monthly payment
$2,022/mo
Down payment (20%)
$63,980
Property taxes
$194/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
5,636 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal - Saltwater
Days on Market
9
Flood Zone AE
Annual Tax (2025)
$2,326
Parcel #
R12-223-16-2310-0920-0210

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hernando Beach
County
Hernando
MLS Area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Lot Size
5,636 sqft
BuildableCleared

Price history

Date
Event
Price
10/2/2026
Listed for sale
Source: Stellar MLS #O6446678
$319,900

Neighborhood

3245 Gulf Coast Dr
Hernando Beach, FL, 34607 · 34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch

Calculator

Est. monthly payment
$2,022/mo
Principal & interest$1,668
Property taxes$194
Insurance$160
Down payment20% · $63,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$319,900

Time on market

9 days

Monthly payment

About $2,022/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,326 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered byLIFESTYLE INTERNATIONAL REALTYListing agent: William NilsonListing data from Stellar MLS, MLS# O6446678.

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