
3520 Cobia Drive, Hernando Beach, FL 34607
Hernando Beach Unit 13-B · Hernando County
Key Facts
Description
COASTAL WATERFRONT LIVING AT ITS BEST !! Welcome to this beautifully updated 3 BEDROOM, 3 FULL BATH canal-front home with SEAWALL and PRIVATE BOAT RAMP in the highly sought-after waterfront community of HERNANDO BEACH. Offering GULF ACCESS VIA THE COMMUNITY BOAT LIFT, this home is perfect for boating enthusiasts, anglers, and anyone looking to embrace the Florida coastal lifestyle. From the moment you arrive, you'll appreciate the GREAT CURB APPEAL, DOUBLE DRIVEWAY, decorative STONE SHUTTER ACCENTS, and additional CARPORT for extra parking. Inside, the OPEN GREAT ROOM FLOOR PLAN is filled with natural light and showcases beautiful CANAL VIEWS, creating a warm and inviting space for everyday living and entertaining. The updated kitchen features QUARTZ COUNTERTOPS, crisp WHITE CABINETRY, STAINLESS STEEL APPLIANCES, and TILE FLOORING. The kitchen flows seamlessly into the family and dining areas, where THREE FRENCH DOORS open to the spacious COVERED BACK PORCH, offering peaceful water views and the perfect place to enjoy your morning coffee. The upper level features a spacious PRIMARY SUITE with LAMINATE FLOORING, a WALK-IN CLOSET, and a beautifully updated ENSUITE BATHROOM showcasing a CUSTOM FLOOR-TO-CEILING TILED SHOWER Primary Bedroom also has access to 2nd Bath with TUB/SHOWER combination . A second bedroom and an updated full guest bath with a TUB/SHOWER COMBINATION and washer/dryer hookup complete this level. The lower level provides excellent flexibility with a large THIRD BEDROOM, an updated THIRD FULL BATH featuring custom tile, a convenient LAUNDRY AREA, and direct access to the ONE-CAR GARAGE with additional storage space. Step outside to your private backyard oasis where you'll find a WOOD FLOATING DOCK, PRIVATE BOAT RAMP, FENCED YARD, and plenty of room to enjoy waterfront living. Whether you're launching your boat, kayaking through the canals, fishing from your dock, or simply relaxing, this property offers the best of Florida's Nature Coast lifestyle. THIS HOME CAN BE SOLD FURNISHED. For added peace of mind, the seller has obtained insurance quotes with estimated homeowners insurance of approximately 2,978 per year and flood insurance of approximately 2,862 per year, providing valuable cost information for prospective buyers. Located in the desirable waterfront community of HERNANDO BEACH, residents enjoy a relaxed coastal atmosphere with easy access to the Gulf, waterfront restaurants, marinas, fishing, scalloping, kayaking, paddleboarding, and boating adventures. The community is well known for its laid-back lifestyle and easy access to Weeki Wachee Springs, Pine Island Beach, shopping, dining, medical facilities, and the Suncoast Parkway for a convenient commute to Tampa. HERNANDO BEACH is also a GOLF CART-FRIENDLY COMMUNITY. GOLF-CART can be included with a reasonable offer, making it easy to explore local restaurants, parks, and waterfront attractions while enjoying everything Florida's beautiful Adventure Coast has to offer.
Property Information
Property Type
Land
Sub-Type
Unimproved Land
Lot Size
0.17 acres
Lot Dimensions
75X100
Zoning
R1B
MLS® Listing#
2257789
Property Features
Lot Features
Other Structures
Utilities
Sewer
Water Source
Schools
- Elementary:
- Westside
- Middle:
- Fox Chapel
- High:
- Weeki Wachee
Financial Details
HOA
$330 / Annually
Annual Taxes
$1,006
Tax year 2025
Directions
Head North on Shoal Line Blvd,left on Jewfish Dr to Rt Sea Bass Dr to left on Cobia Dr. Property is located on the left sign of the road, just passed 4000 Cobia Drive.
Affordability Calculator
$10,600
Estimated monthly payment
$282/mo
Principal $42,400 · Est. interest $59,152 over 30 yrs
Neighborhood Market Statistics
How this home compares to active listings in Hernando Beach, FL
- $501,031
- Median Listing Price
- 117
- Median Days on Market
- 1,400
- Median Sq Ft
- $383
- Median Price / Sq Ft
- 27,546
- Active Listings
- This home’s price is 89% below the area median.
Market statistics compiled from active EXIT Realty® and MLS listings in Hernando Beach, FL.
Location
Points of Interest in Hernando Beach, FL
Showing the Hernando Beach area map.
Nearby Schools
West Hernando Christian School
School · 1.4 mi away
Notre Dame Catholic School
School · 2.1 mi away
Westside Elementary School
Elementary · 2.3 mi away
Deltona Elementary School
Elementary · 4.1 mi away
Esther's School-Spring Hill
School · 4.3 mi away
Fox Chapel Middle School
Secondary · 6.0 mi away
Hernando County Public School System
Elementary · 6.0 mi away
Life Primary School
Elementary · 6.2 mi away
Explorer K-8
Elementary · 6.2 mi away
Faith Baptist Church
School · 6.5 mi away
Contractors Institute
Secondary · 6.6 mi away
Gulf Coast Elementary School
Elementary · 6.6 mi away
Frank W. Springstead High School
Secondary · 6.7 mi away
Spring Hill Christian Academy
School · 6.8 mi away
Great Beginning II
School · 6.9 mi away
Gulf Coast Middle School
School · 7.2 mi away
Hudson Middle School
Elementary · 7.3 mi away
Shady Hills Elementary School
Elementary · 7.4 mi away
Hudson High School
Secondary · 7.5 mi away
Northwest Elementary School
Elementary · 7.5 mi away
Commute Calculator
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| GENERAL MARSHALL ROAD, DAYTONA BEACH, FL | $38,000 | — | — | — |
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Moving Cost Estimate
EXIT Agents in Hernando Beach
Listing Courtesy: JT Realty & Associates - 3522792640
















