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Overview

3 bd2 ba1,260 sqftSingle Family
TypeSingle Family
HOANone listed
Built1980
Lot5,803 sqft
Living area1,260 sqft
Price / sqft$356

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorWindow TreatmentsDishwasherMicrowaveRange

4392 3rd Isle Dr is a 1980-built home in Hernando Beach, Hernando Beach. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,260 square feet of living space. Listed at $449,000 (about $356/sqft), 47 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Virtually Staged. ELEVATED PEACE OF MIND & DIRECT GULF ACCESS! Single-level daily living meets ultimate coastal security in this rare Hernando Beach gem. Perched securely at an impressive 11-foot elevation, this waterfront property came through recent major storms completely untouched with NO storm water damage. Enjoy the incredible convenience of a zero-step front entry for your daily indoor lifestyle, paired with easy step access right down to your private dock. Outside, the massive brick-paver driveway provides abundant parking for your boat trailer, golf cart, or RV. The expansive waterfront paver patio offers plenty of room for outdoor dining, grilling, and relaxing along the deep-water canal. Boaters will love having direct Gulf access right from the backyard, opening the door to world-class fishing, scalloping, and island hopping throughout Florida's beautiful Nature Coast. Explore the crystal-clear Weeki Wachee River, nearby natural springs, local waterfront dining, and nature preserves just minutes away. Plus, enjoy convenient highway access to the greater Tampa Bay area, international airports, plus all the culture, entertainment, professional sporting events & cruise ship terminals, not to mention all the one-tank theme park day trips. Whether you are searching for a full-time residence, retirement retreat, seasonal waterfront escape, or potential income-producing rental, this property delivers an exceptional, hard-to-find combination of direct Gulf boating access, true single-level interior living, and high-elevation safety. This inviting 3-bedroom, 2-bath home features a bright, open floor plan, beautifully updated kitchen and bathrooms, and a spacious enclosed Florida room overlooking the canal; the perfect setting for morning coffee or evening entertaining. Value-packed and worry-free, this home boasts a brand new 2025 A/C system, providing immediate savings, maximum energy efficiency, and years of maintenance-free comfort for its next owner. Come discover an easier, more affordable way to enjoy Florida waterfront living!

The essentials

Built
1980
Price / sqft
$356
On market
47 days
Annual tax
$2,764
Flood zone
AE
Lot
5,803 sqft
Type
Single Family Residence

At a glance

Single family
Built 1980
Waterfront
Canal - Saltwater
5,803 sqft lot
Lot size
1,260 sqft
Living area

Payment

Est. monthly payment
$2,797/mo
Down payment (20%)
$89,800
Property taxes
$230/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1980
Lot
5,803 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Canal - Saltwater, Gulf/Ocean to Bay
Days on Market
47
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Window Treatments
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$2,764
Parcel #
R12-223-16-2310-0840-0040

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
5,803 sqft

Price history

Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #TB8541435
$449,000-3.4%
$356/sqft
8/28/2026
Listed for sale
Source: Stellar MLS #TB8541435
$465,000+266.1%
$369/sqft
4/23/2010
Sold
Source: Hernando County Public Record
$127,000
$101/sqft

Neighborhood

4392 3rd Isle Dr
Hernando Beach, FL, 34607 · 34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch

Market insights

Offer Insights

Choose an offer strength

List price: $449,000
$432,500 – $449,000
96.4% – 100% of listTops out right at the list price
80% of listList price
54 of the last 107 home closings in 34607 landed at this number or higher (50%). The median one sat 73 days before it went under contract, and this one is on day 47 after a $16,000 cut.

Sample: 107 closed home sales in 34607 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,797/mo
Principal & interest$2,342
Property taxes$230
Insurance$225
Down payment20% · $89,800
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

$449,000

$356 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,260 sq ft

Time on market

47 days

Year built

1980

Monthly payment

About $2,797/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,764 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.

Offer

What should I offer?

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Brokered byPREFERRED PROPERTY ASSOC INCListing agent: Marisa BrewerListing data from Stellar MLS, MLS# TB8541435.

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