$515,000
4384 4th Isle Drive Hernando Beach, FL 34607
For Sale MLS# W7882944
2 beds 2 baths 1,246 sq ft Single Family
Details for 4384 4th Isle Drive
MLS# W7882944
Description for 4384 4th Isle Drive, Hernando Beach, FL, 34607
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. That number is known, it's locked in, and there are no surprises. 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 $515,000 Flood Insurance: $3,800/yr
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 2
Bathrooms: 2
Lot Size: 0.21 Acres
Square Feet: 1,246 sq ft
Year Built: 1971
Garage: Yes
Stories: 1 Story
Construction: Stucco,Wood Frame
Subdivision: Hernando Beach
Foundation: Slab
County: Hernando
School Information
Elementary: Westside Elementary-Hn
Middle: Fox Chapel Middle School
High: Weeki Wachee High School
Room Information
Main Floor
Bedroom 2: 14x11
Primary Bedroom: 15x12
Kitchen: 17x10
Dining Room: 12x31
Living Room: 20x23
Bathrooms
Full Baths: 2
Additonal Room Information
Laundry: In Garage
Interior Features
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Flooring: Tile
Additional Interior Features: Ceiling Fan(s), Walk-In Closet(s), Main Level Primary, Open Floorplan, Stone Counters
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Cable Available,Electricity Connected,Sewer Connected,Water Connected
Cooling: Ceiling Fan(s), Central Air
Heating: Central
Exterior / Lot Features
Attached Garage: Attached Garage
Garage Spaces: 2
Roof: Shingle
Lot View: Canal,Ocean,Water
Additional Exterior/Lot Features: Fire Pit
Waterfront Details
Water Front Features: Canal Access, Gulf Access, Ocean Access
Driving Directions
West on 50/Cortez Blvd, Straight onto Shoal Line Blvd, left on Calienta St, left on Gulf Coast Dr, left on 4th Isle Dr, property will be on the right.
Financial Considerations
Terms: Cash,Conventional,FHA,USDA Loan,VA Loan
Tax/Property ID: R12-223-16-2310-0870-0030
Tax Amount: 1019.65
Tax Year: 2025
A broker reciprocity listing courtesy: MERIDIAN REAL ESTATE
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Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 4384 4th Isle Drive
Sales History
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Tax Summary
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
Schools
Schools nearby 4384 4th Isle Drive
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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