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Active · Single Family

4365 4TH ISLE DRIVE

HERNANDO BEACH, FL 34607

Beds
3 beds
Baths
3 baths
Area
1,838 sqft
Single FamilyBuilt 19969,301 sqft lot2-car garageCentral, DuctlessCentral Air$435/sqft39 days on market

About this home

COASTAL LIVING AT ITS FINEST! Welcome to this beautifully UPDATED ELEVATED WATERFRONT HOME with DIRECT GULF ACCESS, perfectly positioned on an OVERSIZED CORNER LOT in one of Hernando Beach's most desirable CUL-DE-SAC locations. Boasting 147 FEET OF SEAWALL, expansive canal frontage, and a REAR WESTERN EXPOSURE for breathtaking Florida sunsets, this exceptional property delivers the ultimate waterfront lifestyle for boaters, anglers, kayakers, and nature lovers alike. The oversized driveway provides ample space for your BOAT, RV, TRAILERS, GOLF CARTS, AND GUEST PARKING, while the oversized 2-CAR GARAGE offers abundant storage for all your coastal gear. The spacious backyard offers ROOM FOR A CUSTOM POOL and the perfect setting for outdoor entertaining or relaxing while enjoying peaceful water views and frequent wildlife sightings including dolphins and manatees. The 1347 SF air condioned upper level has 3 bedroom and 2 bathrooms as well as a bright OPEN-CONCEPT GREAT ROOM featuring SOARING VAULTED CEILINGS, abundant natural light, and NEW LUXURY VINYL PLANK FLOORING throughout the main living area. The COMPLETELY RENOVATED KITCHEN is the centerpiece of the home with GRANITE COUNTERTOPS, WHITE SHAKER CABINETRY WITH CROWN MOLDING, STAINLESS STEEL APPLIANCES, a large breakfast bar, and seamless flow into the dining and living areas--ideal for entertaining. Large BAY WINDOWS and SLIDING GLASS DOORS showcase stunning waterfront views and open to the SCREENED LANAI, creating effortless indoor-outdoor living perfect for enjoying morning coffee, evening cocktails, and Florida sunsets. The primary suite features private lanai access, a WALK-IN CLOSET, and an ENSUITE BATH with a new DOUBLE-SINK VANITY and WALK-IN TILED SHOWER. The SPLIT FLOOR PLAN offers two additional guest bedrooms on the far end of the home, including one with a charming bay window and built-in bench. The guest bathroom has a tiled tub/shower combo with a NEW VANITY. Upstairs laundry with front-loading washer and dryer adds convenience. The lower level offers a 2 car garage as well as an additional 600SF of AIR-CONDITIONED space that can be utilized as additional flex space including a FULL BATHROOM, KITCHENETTE, and multiple FLEX AREAS ideal for a HOME OFFICE, MEDIA ROOM, GAME ROOM, FITNESS ROOM, GUEST SUITE, OR ENTERTAINING SPACE. Sliding glass doors lead to a covered waterfront patio and direct access to the backyard, seawall, and FLOATING DOCK. This property offers very reasonable HOMEOWNERS INSURANCE of 2,578 dollars per year for an owner occupant and new FLOOD INSURANCE of APPROX. 2,827 dollars per year. Located in the sought-after waterfront community of HERNANDO BEACH, this home offers QUICK DIRECT GULF ACCESS for boating, fishing, scalloping, kayaking, paddleboarding, and endless waterfront recreation. Hernando Beach is a vibrant coastal community known for its relaxed Florida lifestyle with GOLF CART ACCESS, NO HOA, NO DEED RESTRICTIONS, and SHORT-TERM RENTALS ALLOWED, making it ideal for full-time residents, snowbirds, and investors alike. Convenient access to marinas, waterfront dining, tiki bars, shopping, hospitals, top-rated schools, Weeki Wachee Springs, and the Suncoast Parkway provides easy commuting to Tampa and surrounding areas.

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Living area
1,838 sqft
Heating
Central, Ductless
Cooling
Central Air
Flooring
Luxury Vinyl, Tile
Stories
2
Features
Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs…
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Exterior & lot

Lot size
9,301 sqft (0.21 ac)
Waterfront
Yes
Roof
Shingle
Construction
Stucco, Frame
Exterior
Sliding Doors, Storage

Parking

Garage
2 spaces

Financial

Annual tax
$3,031 (2025)
Price / sqft
$435/sqft

Utilities

Water
Public
Sewer
Public Sewer
Utilities
Cable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Property

Property type
Single Family
Year built
1996
Subdivision
HERNANDO BEACH
County
Hernando

Assigned schools

Elementary
Westside Elementary-HN
Middle
Fox Chapel Middle School
High
Weeki Wachee High School

Listing

Status
Active
Days on market
31 days
MLS #
MFR795333092
Source
Stellar MLS

Listed by Sarah Hill · JT REALTY & ASSOCIATES

Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.

RRENA ValiQRENA ValiQ is an estimated value, blended from public sale comps, neighbourhood trend and this listing’s own metrics. It is a reference, not a guaranteed or asking price. The final number moves on diligence, terms and timing.Estimate

Sample estimate — not an appraisal

$859k
+7.6% vs asking
$812k low$907k high

Based on 29 comparable sales within 2 miles of HERNANDO BEACH, FL, this home is priced under RENA ValiQ.

Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.

Estimate your monthly cost

PITI + HOA
Estimated monthly payment$4,719/mo
Principal & interest
$4,253/mo
Property tax
$266/mo
Home insurance
$200/mo

Tax, insurance and HOA are editable estimates with Florida-typical defaults — Florida homeowners insurance in particular varies widely by location and elevation. Confirm exact figures with a lender and insurer.

Ask about this property

Answered from this listing’s own figures and the sales around it.

Price history

From the property’s MLS record.

DateEventPriceChange
Jul 3, 2026Listed$799,000

NeighbourhoodSample data

Reference scores for HERNANDO BEACH, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.

Walk Score
74/ 100
Very walkable
Transit Score
79/ 100
Excellent transit
Bike Score
33/ 100
Somewhat bikeable
Elementary school
8/ 10
Top-rated
Middle school
7/ 10
Above average
High school
6/ 10
Above average

Location

Frequently asked questions

What would 4365 4TH ISLE DRIVE, HERNANDO BEACH cost per month?

About $4,692 a month: $4,040 principal and interest, $253 property tax, $400 insurance. That assumes 20% down at 6.5% over 30 years.

Is 4365 4TH ISLE DRIVE, HERNANDO BEACH priced fairly?

Comparable sales nearby put it between $592,286 and $681,448, with $636,867 in the middle. That is from 8 properties of the same type and size within three miles, at a median of $347 a square foot.

How does 4365 4TH ISLE DRIVE, HERNANDO BEACH compare to nearby homes?

8 comparable properties within three miles. The nearest: 4384 4TH ISLE DRIVE, HERNANDO BEACH, FL at $500,000, 1,246 sq ft, 0.05 miles away; 3435 GULF COAST DRIVE, HERNANDO BEACH, FL at $399,900, 1,235 sq ft, 0.09 miles away; 4390 6TH ISLE DRIVE, HERNANDO BEACH, FL at $529,900, 1,964 sq ft, 0.13 miles away.

How long has 4365 4TH ISLE DRIVE, HERNANDO BEACH been on the market?

31 days on the market.

Has the price of 4365 4TH ISLE DRIVE, HERNANDO BEACH changed?

The price has not moved since it was listed.

How big is 4365 4TH ISLE DRIVE, HERNANDO BEACH?

3 bed, 3 bath, 1,838 square feet. That is $435 a square foot.

What year was 4365 4TH ISLE DRIVE, HERNANDO BEACH built?

Built in 1996.

What is the HOA fee at 4365 4TH ISLE DRIVE, HERNANDO BEACH?

The feed lists no association fee for this property.

What are the property taxes at 4365 4TH ISLE DRIVE, HERNANDO BEACH?

Property tax works out to about $253 a month, $3,031 a year.

Is 4365 4TH ISLE DRIVE, HERNANDO BEACH still available?

It is still on the market.

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