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3520 Cobia Drive, Hernando Beach, FL 34607

Hernando Beach Unit 13-B · Hernando County

Key Facts

0.17Lot (acres)

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

ClearedWaterfront

Other Structures

Other

Utilities

Cable AvailableElectricity AvailableSewer AvailableWater Available

Sewer

Public Sewer

Water Source

Public

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

Map showing the location of 3520 Cobia Drive, Hernando Beach, FL 34607

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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Nearby Homes

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Similar Home Values

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Moving Cost Estimate

EXIT Agents in Hernando Beach

Listing Courtesy: JT Realty & Associates - 3522792640

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange of the Hernando County Association of REALTORS®. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright ©2026 Hernando County Association of REALTORS®. All rights reserved.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by HernandoCounty. MLS® Listing#2257789. © 2026EXIT Realty®. All rights reserved.