Welcome to your coastal retreat in beautiful Hernando Beach. This fully updated three-bedroom, two-bathroom home offers the perfect balance of modern comfort and waterfront living. Inside, you'll find a spacious open layout filled with natural light and freshly painted walls that create a bright, welcoming atmosphere. The kitchen is equipped with brand-new appliances, ready for your everyday meals or entertaining guests, while the updated bathroom vanity adds a touch of contemporary style. Recent improvements include redone electrical outlets throughout the home and a new hot water heater, ensuring both convenience and peace of mind. The current flood insurance policy is transferable, offering added value and potential savings for the future owner. Step outside and you're greeted with your own private dock, the ideal spot for boating, fishing, or simply relaxing as you take in the Florida sunshine. The outdoor space invites you to unwind or entertain, offering a true extension of the home's charm. Nestled in the quiet, desirable community of Hernando Beach, you're just minutes away from local shops, dining, waterfront restaurants, marinas, and endless Gulf Coast recreation. Whether you're searching for a forever home, a vacation getaway, or an investment opportunity, this property is move-in ready and waiting to welcome you. Seller may consider Bitcoin (BTC), Ethereum (ETH), or USDC, subject to conversion to U.S. Dollars at closing and standard Florida title and escrow requirements.
This unique multigenerational single family pool home has 7 bedrooms and 5 bathrooms home with 4 separate units for different family members. Unit 1 is the “owner’s suite” on the second floor with 2 bedrooms and 2 bathrooms with full kitchen with granite island/countertops and stainless-steel appliances. Additional features include wood flooring, updated bathrooms, screened porch with Gulf views and spa tub in the master bathroom. Unit 2 is on the second floor with 2 bedrooms and 1 bathroom with a full kitchen and living room with Gulf Views. Downstairs on the ground level is Unit 3 with 2 bedrooms and 1 bathroom, and Unit 4 is a 1 bedroom and 1 bathroom unit as well as a large garage/storage/workshop. Understand that the ground level build out is not covered by flood insurance. Brand new mental roof was just installed in June of 2026. This unique design allows family members to live their own lives within this communal property. The backyard has 93 feet on a saltwater canal that leads directly to the Gulf of Mexico without any fixed bridges. For those family members that love water. The property has a 10,000-pound boat lift and Duratek fixed dock as well as a large inground gunnite pool with oversized stamped concrete deck, and large grass area for the family members with fur. Cover parking spot for your boat or RV. This home is in the Direct Gulf Access section of Hernando Beach meaning the canals behind this home are saltwater, gracefully rising and falling with the tides. This means that you enjoy seamless navigation directly to the Gulf of Mexico without encountering fixed bridges or any obstructive challenges. The convenience and freedom of unimpeded boating make this section highly sought-after for those who crave an optimal boating experience. This section of Hernando Beach does not have an HOA meaning no deed restrictions only county does apply. So, you can keep boats, trailers, and commercial vehicles in your yard or driveway. You can have 8-foot-high privacy fences and use your home as a short-term rental if you want. This section is the most popular place to live in Hernando beach because it is the best for boating. Welcome to Hernando Beach, a hidden gem nestled along the Gulf of Mexico, where the heart of the community beats to the rhythm of recreational fishing and boating. Tucked away down a coastal 2-lane highway with access points only from the North and South, Hernando Beach is a quiet and isolated coastal hamlet offering a unique blend of tranquility and vibrant coastal living. While the name might suggest sandy shores, Hernando Beach surprises with its lack of a traditional beach, compensating instead with a cool coastal vibe that permeates through waterfront tiki bars, marinas, fine dining restaurants, seafood markets, and charming shops. The community is a haven for those seeking a waterfront lifestyle, with single-family homes lining saltwater direct Gulf Access canals or freshwater indirect Gulf Access canals. In essence, Hernando Beach beckons those who yearn for an extraordinary Gulf Coast Fishing Homes Lifestyle, where the rhythms of the sea and the charms of coastal living converge in perfect harmony. Welcome to a community where isolation feels like a luxury, and the beauty of the Gulf Coast unfolds in every tide and sunset.
A Rare Opportunity to Experience the Beauty of Florida's Nature Coast - Now offered at an exceptional new price, this custom waterfront residence delivers something increasingly rare along Florida's Gulf Coast—a home where tranquility, privacy, and breathtaking natural beauty define everyday living. Unlike many waterfront homes that overlook canals and neighboring docks, this exceptional point-lot property captures sweeping panoramic views across the Hernando Beach Flats to the Gulf of Mexico, creating an extraordinary sense of openness where spectacular sunsets, coastal birds, seasonal bald eagles, and the ever-changing beauty of Florida's Nature Coast become part of daily life. Offering approximately 5,000 square feet of usable space, the home features three bedrooms, two-and-a-half baths, an oversized three-car garage, four unique waterfront verandas, and a beautifully renovated lower-level bonus space. Designed to embrace the surrounding landscape, nearly every room enjoys stunning water views, seamlessly blending comfortable indoor living with the remarkable setting beyond. The open-concept living area features soaring ceilings, engineered hardwood flooring, walls of glass, and a spacious kitchen with stainless steel appliances, dual convection ovens, an oversized island, and a generous butler's pantry—perfect for gathering while remaining connected to the scenery outside. The private primary suite offers its own waterfront veranda, spa-inspired bath with soaking tub, walk-in shower, dual vanities, and peaceful views that begin and end each day surrounded by nature. Upstairs, two guest bedrooms, a full bath, and an additional living area provide comfortable accommodations for family and visitors. The beautifully renovated lower level adds nearly 1,700 square feet of flexible space ideal for a media room, fitness studio, home office, guest quarters, hobby space, or future multigenerational living, with an elevator shaft already in place for future installation. Outside, relax beside the heated saltwater pool with private grotto & cascading waterfall, where both solar and propane heating extend your swimming season. Launch your kayak or paddleboard from your private launch, unwind beneath the screened lanai, or simply enjoy the peaceful rhythm of life along the water. Throughout the year, herons, egrets, pelicans, osprey, sandhill cranes, dolphins, and manatees create an ever-changing display of Florida wildlife, while bald eagles are frequent visitors during the cooler months. For leisurely sunset cruises or an extended day on the water the property also offers a private dock, 10,000-pound boat lift, and community lift with Gulf access for those occasions. Yet what truly sets this home apart is its rare combination of panoramic views, exceptional privacy, and an authentic connection to Florida's unspoiled Nature Coast tucked away on its own peaceful vista. More than a waterfront home, this is a place where mornings begin with coffee overlooking the Flats and evenings end beneath unforgettable Gulf sunsets. If you've been searching for a peaceful coastal lifestyle surrounded by extraordinary views, abundant wildlife, and the quiet beauty of Florida's Nature Coast, this exceptional property is one you simply must experience! Come enjoy a sunset showing at this exceptional home today!
Welcome to your waterfront life; this spectacular 3 bedroom, 2 bathroom pool home is your slice of paradise just a 2 minute boat ride to the open Gulf of Mexico. Your new home has been completely remodeled including a new HVAC system, the roof and windows are new and less than 5 years old. It has wood look luxury vinyl flooring for easy clean up since you will be too busy enjoying your Salty Life, the pool and driveway have new paving giving your home a high-end finish, both bathrooms have a beautiful porcelain title. Invite your family and friends over and let the real living begin; a new seawall along with a new wooden 10x12 floating deck. The brick patio is perfect for a sitting area or an outdoor kitchen. Stop by to see your future home, this one won't last long! The property has been fully remodel after the flood with all the county required permits. Our preferred lender offers up to 0.75% in credit to qualified buyers.
Discover coastal living at its finest in this beautiful Hernando Beach home. Located at 3519 Cobia Dr, this property boasts stunning waterfront views and access to the Gulf of America. Enjoy spacious living areas filled with natural light, a modern kitchen with top-of-the-line appliances, and a large deck appropriate for entertaining. New roof with fully transferable warranty. The private dock makes boating a breeze, while nearby amenities accord dining and shopping options. Experience serene living in this charming coastal community. Will consider swap for lakefront home in Florida.
Exceptionally well maintained, fully furnished, remodeled waterfront home with four bedrooms, three full baths, pool, and elevator located in Hernando Beach South. This home features a newly remodeled kitchen with wood cabinets, quartz countertops, stainless steel appliances, cabinet lighting, breakfast bar, and a farmhouse sink; all three bathrooms have also been remodeled with walk-in showers, rain shower heads and new vanities; laminate flooring throughout the house; tongue and groove wood ceiling in the great room and kitchen; plantation shutters on every window; double pane windows; the master bedroom suite on the third floor has a vaulted ceiling and private balcony with gulf views; laundry room with storage cabinets; a screened in lanai located off of the great room; custom ceiling fans and lighting; tankless water heater; security system; and the home is equipped with a whole house generator. Features of the exterior include maintenance free landscaping with brick pavers and stone (no grass to cut); fenced back yard; floating dock; seawall with knee wall and walkway; custom exterior uplighting; 24 x 12 inground pool with waterfall spa; a metal roof; gutters, sprinkler system and an epoxy coated garage floor. HVAC system new in 2025.


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Hernando Beach is located in Florida. Hernando Beach, Florida has a population of 2,544. Hernando Beach is less family-centric than the surrounding county with 11.62% of the households containing married families with children. The county average for households married with children is 22.09%.
The median household income in Hernando Beach, Florida is $77,385. The median household income for the surrounding county is $53,301 compared to the national median of $69,021. The median age of people living in Hernando Beach is 57.8 years.
The average high temperature in July is 90.3 degrees, with an average low temperature in January of 45.8 degrees. The average rainfall is approximately 52.7 inches per year, with 0 inches of snow per year.