3285 Minnow Creek Dr, Hernando Beach, FL, 34607
About This Home
Waterfront paradise! This fully renovated 2-bedroom, 2-bath stilt home offers modern coastal living on a deep-water canal just minutes from the Gulf. Every detail has been beautifully updated — simply move in and start living your waterfront dream. Step inside to discover engineered hardwood floors, a stunning chef's kitchen with soft-close wood cabinetry, granite countertops, a large island, stainless steel appliances, and a farm-style sink. The open-concept layout flows seamlessly into the living area, featuring hurricane-impact windows (2024) and a three-panel sliding glass door that opens to a 10-foot deck with peaceful canal, mangrove and Gulf views. Enjoy two newly renovated bathrooms with custom tile showers, glass doors, and matching granite finishes. The primary suite features a walk-in closet, ensuite bathroom with rain showerhead and designer details throughout. Nearly everything is new (2024), air conditioning system 2024, insulation, bug-resistant siding, on-demand water heater, paint, ceiling fans, washer & dryer, staircase, and deck railing. The home also includes a new seawall cap, floating dock, and gangway — perfect for boating enthusiasts. Roof 2023. The first floor is ready for your personal touch, ideal for storage, a workshop, or future expansion, think gym, workshop, man cave. A charming spiral staircase leads up to the main living area, where a hatch door adds a touch of character. Located in a no-HOA neighborhood, this property offers freedom and flexibility —bring your boat, kayaks, or paddleboards to enjoy fishing, scalloping, relaxing with direct Gulf access in just five minutes! Close to the public boat ramp, marina, and popular local restaurants. Owner financing available. Whether you're seeking a full-time waterfront residence, vacation home, or investment property, this stunning remodel delivers the ultimate Florida coastal lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1983
Materials
- Foundation: Pillar/Post/Pier,Slab
- Roof: Metal
Type & Style
- Home type: SingleFamily
- Architectural style: Multi-Level,Stilt
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Built-In Oven,Dryer,Dishwasher,Electric Cooktop,Disposal,Microwave,Refrigerator,Water Heater,Washer,Instant Hot Water
- Laundry features: Laundry - Living Area
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Breakfast Bar,Primary Suite,Open Floorplan,Stone Counters,Shower Only,Solid Surface Counters,Separate Shower,Walk-In Closet(s),Wood Cabinets,Window Treatments,Sliding Glass Door(s)
- Door features: Sliding Doors
- Window features: Blinds,Impact Glass
- Flooring: Engineered Hardwood,Tile
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,496
- Total interior livable area: 1,248 sqft
Kitchen
- Features: Breakfast Bar,Kitchen Island,Remodeled
- Level: Second
- Dimensions: 10.00 x 11.00
Living Room
- Features: Ceiling Fan(s)
- Level: Second
- Dimensions: 15.00 x 23.00
Master Bedroom
- Features: Ceiling Fan(s),Granite Counters,Walk-In Closet(s),Primary Suite
- Level: Second
- Dimensions: 11.00 x 13.00
Property
Details
- Parcel number: 00154978
- Zoning: Out of County,R1
- Special condition: Standard,Listed As-Is
Features
- Pool features: None
- Patio & porch: Balcony,Deck,Wood
- Exterior features: Balcony,Deck,Concrete Driveway
- Has view: Yes
- View description: Gulf
- Has water view: Yes
- Water view: Gulf
- On waterfront: Yes
- Waterfront features: Boat Dock/Slip,Gulf Access,Ocean Access,Sail Boat Access,Seawall,Water Access,Canal Access,Gulf,Waterfront
- Frontage type: Canal,Waterfront
- Frontage length: 60,60
- Topography of land: Varied
Lot
- Lot size: 5,662 sqft
- Features: Flat
Parking
- Total spaces: 2
- Parking features: Attached Carport,Concrete,Driveway,Boat,RV Access/Parking
- Has uncovered spaces: Yes
- Carport: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Coastal Flooding
- Hurricane
- Lightning
- Tornado
- Strong Wind
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Hernando County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,028 | $36,336 |
| Home Insurance * | $200 | $2,400 |
| Property Taxes | $825 | $9,900 |
| Electricity | $197 | $2,366 |
| Total | $4,250 | $51,000 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-29 | Price change | $599,000 |
| 2025-10-27 | Listed for sale | $649,000 |
| 2025-10-24 | Listing removed | $659,000 |
| 2025-06-05 | Price change | $659,000 |
| 2025-05-28 | Listed for sale | $698,500 |
| 2024-04-17 | Sold | $435,000 |
| 2024-03-29 | Contingent | $520,000 |
| 2024-02-17 | Listed for sale | $520,000 |
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