4384 4th Isle Dr, Hernando Beach, FL, 34607
About This Home
GULF ACCESS IN MINUTES | PRIVATE BOAT RAMP | 90' OF WATERFRONT | BUILT TO OUTLAST FLORIDA. Let's talk about what actually matters in a waterfront home in Florida -- how it's built and how it holds up. This 1971 home has been standing through decades of Florida weather while newer construction around it has come and gone. And when Hernando Beach flooded a few years back? MINIMAL IMPACT. Why? Because this home sits on an ELEVATED LOT, has CEMENT BOARD WALLS instead of drywall, and TILE FLOORING THROUGHOUT. There is no drywall to rot. No carpet to ruin. No soft walls to buckle. This is how waterfront homes should be built -- and almost none of them are anymore. Flood insurance is currently in place at 3,800/year -- that's 316/month for a WATERFRONT HOME WITH A PRIVATE BOAT RAMP ON THE GULF COAST OF FLORIDA. Now let's talk about why you're actually buying this one. You get 90 FEET OF WATERFRONT on a LOT AND A HALF in a CUL-DE-SAC in HERNANDO BEACH -- with your very own PRIVATE BOAT RAMP in the backyard. Not a community ramp. Not a public ramp. Yours. Launch your boat and be cruising through the canal to the OPEN GULF in 5 MINUTES. Scalloping season, offshore fishing, sunset cruises -- this is your daily life now. The backyard is the reason people fall in love with this one. FLOATING DOCK. SEAWALL WITH CAP. FENCED DOG RUN. HUGE PAVER SIDE YARD. FIREPIT. GARDEN AREA. And a real TIKI HUT where sunset drinks just hit different. The kind of backyard that makes your friends stop asking why you moved to Florida. Inside -- NEW ROOF (2024). NEW HOT WATER HEATER (2025). ALL NEW KITCHEN APPLIANCES (2024). DUAL PANE WINDOWS. TILE FLOORING THROUGHOUT. The bones are solid, the big tickets are done, and the CEMENT BOARD WALLS mean this home laughs at humidity. The community is GOLF CART FRIENDLY with NO HOA and NO SHORT-TERM RENTAL RESTRICTIONS -- use it as a full-time home, a weekend escape, or an income-producing waterfront rental. The flexibility is yours. Evenings at Brian's Place. Lunch at The Lazy Lizard. Live music at the tiki bar. Morning coffee on the dock. Short drive to the WEEKI WACHEE RIVER, PINE ISLAND BEACH, and ROGERS PARK. Kayaking, paddleboarding, scalloping, fishing -- pick your adventure. This isn't just a waterfront home. This is GULF ACCESS from your own backyard. This is a home that has proven it can handle Florida. This is Hernando Beach done right. 📍 4384 4th Isle Drive, Hernando Beach FL
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1971
Materials
- Roof: Shingle
- Construction materials: Frame,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator
Bedroom2
- Area: 154
- Dimensions: 11x14
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Area: 372
- Dimensions: 31x12
Features
- Ceiling Fan(s),Open Floorplan,Walk-In Closet(s)
- Flooring: Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,618
- Total interior livable area: 1,618 sqft
Kitchen
- Area: 170
- Dimensions: 10x17
Living Room
- Area: 460
- Dimensions: 23x20
Master Bedroom
- Area: 180
- Dimensions: 12x15
Property
Details
- Parcel number: R12 223 16 2310 0870 0030
- Zoning: R1B
- Zoning description: Residential
- Special condition: Standard
Features
- Levels: One
- Stories: 1
- Exterior features: Boat Ramp - Private,Dock,Fire Pit
- Has spa: Yes
- Spa features: Above Ground,Heated
- Fencing: Chain Link
- On waterfront: Yes
- Waterfront features: Canal Front,Direct Gulf Access
Lot
- Lot size: 9,147 sqft
- Features: Cul-De-Sac
Parking
- Total spaces: 2
- Parking features: Attached,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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 | $2,604 | $31,248 |
| Home Insurance * | $172 | $2,064 |
| Property Taxes | $243 | $2,916 |
| Electricity | $197 | $2,366 |
| Total | $3,216 | $38,592 |
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 |
|---|---|---|
| 2026-02-12 | Listed for sale | $515,000 |
| 2001-10-16 | Sold | $145,000 |
| 1997-09-03 | Sold | $100,000 |
View on Zillow