$585,000
SOLD OCT 9, 2025

3431 Croaker Dr Hernando Beach, FL 34607

3 Beds
2 Baths
1,720 Sq Ft
7,500 Sq Ft Lot

Recently Sold

$340 Per Sq Ft

6% Below List Price

34 Days on Market

Highlights

  • Boat Dock
  • Screened Pool
  • Vaulted Ceiling
  • Home fronts a seawall
  • Open Floorplan
  • Wood Flooring

About This Home

As of October 2025

Elegant Waterfront Pool Home with Gulf Access in Hernando Beach South — Adjacent Lot Also Available!

Welcome to this meticulously maintained 3-bedroom, 2-bathroom home with indirect Gulf access, located in the desirable deed-restricted community of Hernando Beach South. Positioned on a serene canal with a seawall and floating dock, this stunning residence offers the perfect blend of coastal living and sophisticated design.
From the moment you arrive, you'll notice the pavered driveway, hurricane-rated windows, hurricane rated garage doors, and beautifully landscaped yard. Step inside to a unique penny-and-coin entry floor and be greeted by hand-honed wood flooring and vaulted ceilings that elevate the great room's open, airy feel. An electric fireplace and sliding doors lead out to the expansive balcony overlooking the pool—ideal for entertaining or relaxing with two ceiling fans to keep you cool.
The chef's kitchen is a dream, featuring granite countertops, stainless steel appliances, a double sink, breakfast bar, pantry, recessed lighting, wine cooler, and a sunlit dining area. A custom climate-controlled wine cellar at the top of the stairs adds a luxurious touch.
The split bedroom layout includes a luxurious primary suite with balcony access, an oversized walk-in closet with built-ins, and an updated en suite bathroom with twin vanities, a make-up station, walk-in shower, and linen closet. Two additional spacious bedrooms share a beautifully updated hall bath.
Enjoy year-round Florida living in the screen-enclosed two-story pool area with resurfaced sports-pool, electric heater, new pool pump. The covered lanai features two ceiling fans and overlooks the water, with stairs leading from the balcony to the pool level. The oversized two-car garage provides ample storage.
Additional features include a water softener, lawn sprinklers, hurricane curtains for the balcony and lanai, an indoor laundry room with sink and shelving, low HOA fees, and close proximity to boating, fishing, restaurants and nature preserves. Roof 2019. HVAC 2018. This home is a rare gem—luxury, function, and location in one package. Don't miss this opportunity to own an exceptional waterfront home with an optional adjacent lot in one of Hernando Beach's most sought-after neighborhoods!

Last Agent to Sell the Property

Tracie Maler

Keller Williams-Elite Partners License #3246734 Listed on: 07/07/2025

Keller Williams-Elite Partners

Last Buyer's Agent

Sarah Hill

JT Realty & Associates License #BK3447180

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,880

Year Built

  • Built in 1995

Lot Details

  • 7,500 Sq Ft Lot
  • Home fronts a seawall
  • Home fronts a canal
  • Property fronts a county road
  • Property is zoned R1B

HOA Fees

  • $26 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener

Home Design

  • Shingle Roof
  • Vinyl Siding
  • Stucco Exterior

Interior Spaces

  • 1,720 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Vaulted Ceiling
  • Ceiling Fan
  • Electric Fireplace
  • Entrance Foyer
  • Screened Porch
  • Water Views
  • Fire and Smoke Detector

Kitchen

  • Breakfast Bar
  • Convection Oven
  • Microwave
  • Dishwasher
  • Wine Cooler
  • Disposal

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms
  • Double Vanity
  • No Tub in Bathroom

Laundry

  • Dryer
  • Washer

Pool

  • Screened Pool
  • Heated In Ground Pool

Outdoor Features

  • Docks
  • Balcony

Schools

  • Westside Elementary School
  • Fox Chapel Middle School
  • Weeki Wachee High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Cable TV Available

Listing and Financial Details

  • Legal Lot and Block 21 / 138
  • Assessor Parcel Number R24-223-16-2370-0138-0210

Community Details

Overview

  • Association fees include ground maintenance
  • Coastal HOA Management Services Inc Association
  • Hernando Beach Unit 13 B Subdivision
  • The community has rules related to deed restrictions

Recreation

  • Boat Dock

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,880

Year Built

Built in 1995

Lot Details

0

HOA Fees

$26 per month

Parking

2

Listing Details

  • Directions: From US 19 and Spring Hill Dr, Turn west on Osowaw Blvd, Right onto Shoal Line Blvd, Left on Jew Fish Dr, then the 1st Right onto Sea Bass Dr, Left onto Croaker Dr. house on Right. (no sign)
  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Road Frontage Type: County Road
  • Subdivision Name: Hernando Beach Unit 13-B
  • Unit Levels: Two
  • Year Built: 1995
  • Building Stories: 2
  • Current Use: Residential
  • ResoLaundryFeatures: Upper Level
  • ResoLotFeatures: Sprinklers In Front, Sprinklers In Rear
  • Lot Size Acres: 0.17
  • Road Surface Type: Asphalt, Paved
  • View Type:Pond View: Canal, Water
  • NAV29_Unit_1_Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler
  • ResoSecurityFeatures: Smoke Detector(s)
  • Reso Association Amenities: Boat Dock, Maintenance Grounds
  • Co List Office Phone: 352-688-6500
  • MLS Status: Closed
  • Architectural Style: Stilt
  • Carport Y N: No
  • Reso Fireplace Features: Electric
  • New Construction: No
  • Property Attached Yn: No
  • Master Plan Zoning: R1B
  • Location Tax and Legal Elementary School: Westside
  • Location Tax and Legal High School: Weeki Wachee
  • General Property Information Building Area Total3: 3948.0
  • General Property Information Lot Size Acres: 0.17
  • General Property Information Lot Size Square Feet2: 7500.0
  • General Property Information Carport YN2: No
  • General Property Information Waterfront YN: Yes
  • General Property Information Senior Community YN: No
  • General Property Information:Pool Private YN: Yes
  • Appliances Dryer: Yes
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Washers: Yes
  • Cooling:Central Air: Yes
  • Pool Features In Ground: Yes
  • Road Surface Type:Paved: Yes
  • Sewer:Public Sewer: Yes
  • Water Source:Public: Yes
  • Location Tax and Legal Parcel Number2: R24-223-16-2370-0138-0210
  • Location Tax and Legal:Tax Annual Amount: 3880.0
  • Location Tax and Legal Zoning Description2: Residential
  • General Property Information Accessibility Features YN2: No
  • General Property Information New Construction YN: No
  • General Property Information Water Frontage Feet: 75
  • Security Features:Smoke Detector(s): Yes
  • Utilities:Cable Available: Yes
  • General Property Information CDD Fee YN: No
  • Contract Information Property Attached YN: No
  • Utilities Water Connected: Yes
  • Road Frontage Type County Road: Yes
  • Utilities:Electricity Connected: Yes
  • Roof:Shingle: Yes
  • Pool Features Electric Heat: Yes
  • View Water3: Yes
  • Pool Features:Screen Enclosure: Yes
  • Utilities Propane3: Yes
  • Community Restrictions Deed Restrictions: Yes
  • Flooring:Tile: Yes
  • Interior Features Primary Bathroom - Shower No Tub: Yes
  • Levels:Two: Yes
  • Flooring Wood: Yes
  • Utilities Sewer Connected: Yes
  • Room Types Living Room: Yes
  • Room Types Living Room Level: Main
  • General Property Information Association Phone: 727-859-9734
  • ViewCanal: Yes
  • Room Types Primary Bedroom Level: Second
  • Architectural Style:Stilt: Yes
  • Laundry Features:Upper Level: Yes
  • Special Features: None
  • Stories: 2

Interior Features

  • Flooring: Tile, Wood
  • Interior Amenities: Breakfast Bar, Ceiling Fan(s), Double Vanity, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wine Cellar
  • Full Bathrooms: 2
  • Total Bedrooms: 3
  • Fireplaces: 1
  • Fireplace: Yes
  • Appliances Dishwasher: Yes
  • Interior Features:Ceiling Fans: Yes
  • Fireplace Features:Fireplaces Total: 1
  • Interior Features:Open Floorplan: Yes
  • Appliances:Convection Oven: Yes
  • Interior Features:Double Vanity: Yes
  • Interior Features:Pantry: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Appliances:Water Softener-Owned: Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Breakfast Bar: Yes
  • Interior Features:Vaulted Ceiling(s): Yes
  • Fireplace Features:Electric2: Yes
  • Appliances:Wine Cooler: Yes
  • Appliances:Electric Range: Yes
  • Appliances:Electric Water Heater: Yes
  • Interior Features:Split Bedrooms: Yes
  • Interior Features:Wine Cellar: Yes
  • Community Features:Fishing: Yes

Exterior Features

  • Exterior Features: Balcony, Dock, Impact Windows
  • Waterfront: Yes
  • Roof: Shingle
  • Pool Features: Electric Heat, In Ground, Screen Enclosure
  • Pool Private: Yes
  • Waterfront Features: Canal Front, Seawall, Indirect Gulf Access, Minimum Bridge Height
  • Construction Type: Frame, Stucco, Vinyl Siding
  • Patio And Porch Features: Covered, Rear Porch, Screened
  • Construction Materials:Stucco: Yes
  • Construction Materials:Vinyl Siding: Yes
  • Waterfront Features:Canal Front: Yes
  • Waterfront Features:Seawall: Yes
  • Exterior Features:Balcony: Yes
  • Construction Materials:Frame: Yes
  • Exterior Features:Dock: Yes
  • Patio And Porch Features:Screened: Yes
  • Lot Features:Sprinklers in Front: Yes
  • Lot Features:Sprinklers In Rear: Yes
  • Patio And Porch Features:Rear Porch: Yes
  • Patio And Porch Features:Covered2: Yes
  • Exterior Features:Impact Windows: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Attached Garage: Yes
  • Parking Features: Attached, Garage Door Opener
  • General Property Information:Garage YN: Yes
  • General Property Information:Garage Spaces: 2.0
  • Parking Features:Garage Door Opener: Yes
  • Parking Features:Attached: Yes

Utilities

  • Cooling: Central Air
  • Sewer: Public Sewer
  • Utilities: Cable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
  • Heating: Central, Electric, Heat Pump
  • Cooling Y N: Yes
  • HeatingYN: Yes
  • Water Source: Public
  • Heating:Central: Yes
  • Heating:Electric3: Yes
  • Heating:Heat Pump: Yes

Condo/Co-op/Association

  • Senior Community: No
  • Association Fee: 306.0
  • Association Fee Frequency: Annually
  • Phone: 727-859-9734
  • Association: Yes

Association/Amenities

  • General Property Information:Association Name: Coastal HOA Management Services Inc
  • General Property Information:Association Fee: 306.0
  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee Frequency: Annually
  • General Property Information:Association Name: Coastal HOA Management Services Inc
  • Association Fee Includes:Maintenance Grounds2: Yes
  • Association Amenities:Boat Dock: Yes
  • Association Amenities:Maintenance Grounds: Yes

Fee Information

  • Association Fee Includes: Maintenance Grounds

Schools

  • Elementary School: Westside
  • High School: Weeki Wachee
  • Middle Or Junior School: Fox Chapel

Lot Info

  • Lot Size Sq Ft: 7500.0
  • ResoLotSizeUnits: Acres
  • Parcel Number: R24-223-16-2370-0138-0210
  • Zoning Description: Residential

Tax Info

  • Tax Year: 2024
  • Tax Annual Amount: 3880.0
  • Tax Block: 138
  • Tax Lot: 21

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 7, 2025
Closed on
Oct 10, 2025
Sold by
Campbell David B and Campbell Margaret A
Bought by
Nester Bryan Allen
Seller's Agent
Tracie Maler
Keller Williams-Elite Partners
Buyer's Agent
Sarah Hill
JT Realty & Associates
List Price
$625,000
Sold Price
$585,000
Premium/Discount to List
-$40,000
-6.4%
Views
23

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-6.58%

Purchase Details

Listed on
Oct 16, 2013
Closed on
Feb 18, 2014
Sold by
Larsson Gunnar R and Larsson Sandra L
Bought by
Campbell David B and Campbell Margaret A
Seller's Agent
Michael Bennett
PEOPLE'S TRUST REALTY
Buyer's Agent
Stellar Non-Member Agent
STELLAR NON-MEMBER OFFICE
List Price
$285,000
Sold Price
$250,000
Premium/Discount to List
-$35,000
-12.28%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.57%

Purchase Details

Closed on
Jun 2, 2003
Sold by
Peirsol Dolores A and Peirsol Keithen L
Bought by
Larsson Gunnar R and Larsson Gunnar

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$212,000
Interest Rate
5.79%

Purchase Details

Closed on
Sep 8, 2000
Sold by
Letcher Tomm L and Letcher Mary K
Bought by
Peirsol Keithen L and Peirsol Dolores A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$70,000
Interest Rate
8.11%
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $585,000 Southeast Title
Warranty Deed $250,000 North American Title Company
Warranty Deed $265,000 --
Warranty Deed $126,500 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $212,000 No Value Available
Previous Owner $75,000 Credit Line Revolving
Previous Owner $125,500 New Conventional
Previous Owner $41,400 Credit Line Revolving
Previous Owner $70,000 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/09/2025 10/09/25 Sold $585,000 -2.3% $340 / Sq Ft
08/10/2025 08/10/25 Pending -- -- --
07/15/2025 07/15/25 Price Changed $599,000 -4.2% $348 / Sq Ft
07/07/2025 07/07/25 For Sale $625,000 +150.0% $363 / Sq Ft
05/26/2015 05/26/15 Off Market $250,000 -- --
02/18/2014 02/18/14 Sold $250,000 0.0% $145 / Sq Ft View Prior Sale
02/18/2014 02/18/14 Sold $250,000 +0.4% $145 / Sq Ft View Prior Sale
02/10/2014 02/10/14 Price Changed $249,000 -12.6% $145 / Sq Ft
02/06/2014 02/06/14 Pending -- -- --
02/05/2014 02/05/14 Pending -- -- --
10/16/2013 10/16/13 For Sale $285,000 -4.7% $166 / Sq Ft
11/27/2012 11/27/12 For Sale $299,000 -- $174 / Sq Ft
Source: Hernando County Association of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $3,856 $271,897 -- --
2024 $3,772 $264,234 -- --
2023 $3,772 $255,489 $0 $0
2022 $3,700 $248,048 $0 $0
2021 $3,302 $240,823 $0 $0
2020 $3,589 $237,498 $0 $0
2019 $3,605 $232,158 $0 $0
2018 $2,829 $223,760 $0 $0
2017 $3,259 $219,158 $0 $0
2016 $3,090 $214,650 $0 $0
2015 $3,181 $213,158 $0 $0
2014 $3,333 $193,244 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Hernando County Association of REALTORS®

MLS Number: 2254479

Hernando County Association of REALTORS®

APN: R24-223-16-2370-0138-0210