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