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Overview

2 bd2 ba1,906 sqftSingle Family
TypeSingle Family
HOANone listed
Built1984
Lot7,920 sqft
Living area1,906 sqft
Price / sqft$655

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About this home

Ceiling Fans(s)Open FloorplanPrimarybedroom UpstairsStone CountersThermostatWalk-in Closet(s)Window TreatmentsBalcony

3194 Indian Gulf Ln is a 1984-built home in Indian Bay Country Homes Unrec, Hernando Beach. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,906 square feet of living space. Listed at $1,249,000 (about $655/sqft), 49 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Sweeping Gulf views, direct boating access and a private concrete boat ramp define this renovated waterfront home at 3194 Indian Gulf Lane in Aripeka, within the greater Hernando Beach market area. This 2-bedroom, 2-bath coastal residence offers approximately 1,906 square feet of living area and approximately 60 feet of poured-concrete seawall. The residence has undergone substantial renovation and updating, creating a bright, inviting interior with a flowing layout designed to take full advantage of the waterfront setting. The updated kitchen features granite countertops, stainless-steel appliances, a large center island with seating, generous cabinetry, and an open connection to the dining and living areas. Expansive windows and glass doors bring abundant natural light and coastal views into the principal living spaces. The main level also includes the second bedroom, full bath, interior laundry, and an impressive Florida room overlooking the water. Updated flooring, ceiling fans, contemporary finishes, built-in cabinetry and shelving complete the interior. A dramatic spiral staircase leads to the private upper-level primary suite with walk-in closet and adjoining bath. The exterior renovation represents a significant investment. The home was extensively refinished with a Dryvit stucco exterior system, a substantial and costly improvement that gives the residence a refined architectural appearance and contributes materially to its updated finish quality. Additional improvements include a newer metal roof, newer central air-conditioning system, and extensive deck improvements. The expansive rear deck provides an outstanding setting for dining, entertaining, relaxing, and enjoying spectacular sunsets and ever-changing coastal scenery. From the seawall and private boat ramp, enjoy direct access to the surrounding waterways for boating, kayaking, fishing, and exploration of the Gulf. Open water, tidal wetlands, natural shoreline, and undeveloped coastal views create a setting that is increasingly difficult to find. The location also places an exceptional collection of Nature Coast recreation within convenient reach. Nearby destinations include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. To the south, SunWest Park in Hudson offers a public swimming beach and additional water recreation. Weeki Wachee Springs is also nearby. Popular Hernando Beach dining options include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping and everyday services, including the familiar Cracker Barrel on Commercial Way. For buyers searching the Hernando Beach and 34607 waterfront market, 3194 Indian Gulf Lane offers a rare combination of extensive renovation, direct boating access, exceptional Gulf views and a remarkably natural coastal setting.

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The essentials

Built
1984
Price / sqft
$655
On market
49 days
Annual tax
$18,388
Flood zone
AE
Lot
7,920 sqft
Type
Single Family Residence

At a glance

Single family
Built 1984
Waterfront
Gulf/Ocean
7,920 sqft lot
Lot size
1,906 sqft
Living area

Payment

Est. monthly payment
$8,671/mo
Down payment (20%)
$249,800
Property taxes
$1,532/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1984
Lot
7,920 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Gulf/Ocean
Days on Market
49
Ceiling Fans(s)
Open Floorplan
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Balcony
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone AE
Annual Tax (2025)
$18,388
Parcel #
R25-223-16-2615-0010-0150

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
Indian Bay Country Homes Unrec
County
Hernando
MLS Area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Lot Size
7,920 sqft
FloodZoneIn CountyLevelPaved

Price history

Date
Event
Price
8/24/2026
Listed for sale
Source: Stellar MLS #W7888817
$1,249,000
$655/sqft

Neighborhood

3194 Indian Gulf Ln
Hernando Beach, FL, 34607 · 34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch

Market insights

Offer Insights

Choose an offer strength

List price: $1,249,000
$1.20M – $1.25M
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 49.

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
$8,671/mo
Principal & interest$6,514
Property taxes$1,532
Insurance$625
Down payment20% · $249,800
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

$1,249,000

$655 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,906 sq ft

Time on market

49 days

Year built

1984

Monthly payment

About $8,671/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $18,388 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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Brokered byBRIDGE POINT BUSINESS REAL ESTListing agent: Anthony Kanaris PLLCListing data from Stellar MLS, MLS# W7888817.

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