4464 Neptune Dr Hernando Beach, FL 34607
Estimated payment $3,702/month
Highlights
- 60 Feet of Salt Water Canal Waterfront
- Floating Dock
- RV Garage
- Boat Ramp
- Water access To Gulf or Ocean
- Open Floorplan
About This Home
BACK ON THE MARKET!!! With lots of upgrades including new paint on 1st and 2nd level, new epoxy floors on the first level, and a new seawall cap.
ARE YOU ELIGIBLE FOR A VA LOAN? REACH OUT TO THE LISTING AGENT FOR INFORMATION ON ASSUMING THE OWNERS VA LOAN AT A LOW INTEREST RATE AND VERY LITTLE DOWN!
Discover coastal living at its finest in this elevated waterfront home offering direct Gulf access, a private floating dock, and an open permit for a future boat lift with pilings already in place. This thoughtfully designed 3-bedroom, 3-bath home features a desirable 3 bedroom 2 bath split floor plan on the main (second) level, plus an additional bathroom and fully equipped bonus suite on the ground level.
Step inside the bright and airy main level, where tall ceilings, fresh paint, and NEW vinyl flooring, and new light fixtures set the stage for modern waterfront living. The open-concept kitchen, dining, and living area flows seamlessly to a covered rear deck overlooking the water — perfect for entertaining or relaxing with a view. The kitchen boasts NEW stainless steel appliances, a gas cooktop, quartz countertops, eat-in island, pantry, and of course, breathtaking water views.
The spacious primary suite features a recently updated bathroom with dual vanities, a walk-in shower, and a luxurious garden tub. Laundry hookups are conveniently located on both levels. The far end of the home has two bedrooms that share a Newly updated bathroom.
Downstairs, enjoy the versatility of a bonus room with a newly updated full bath, laundry area, and its own entrance. The garage side of the first level features a 12-ft tall door with parking for up to 4 vehicles in the tandem bays that are also deep enough to park a boat trailer. The ground level is finished with weather-resistant PVC and block walls for durability and peace of mind.
Outside, the oversized fenced yard has ample room to build the pool of your dreams and the side yard has plenty of space to park your RV or boat. Plus, the floating dock and pre-installed pilings make boating a breeze—skip the wait with an already open, transferable permit for your future lift. Additional updates include a new AC in 2017, new 1st floor mini-split 2024, and new roof in 2022. With all of the wind mitigation upgrades on this property the home owners insurance is only $2474 and transferable flood insurance is $2141. Seller has estimates for a new pool in the backyard at $55k and can be installed within 4 months.
Hernando Beach is a vibrant waterfront community that offers the best of coastal living—boating, kayaking, paddleboarding, fishing, and more. Just minutes from the world-famous Weeki Wachee Springs, residents also enjoy close proximity to shopping, dining, hospitals, and top-rated schools. The community is golf cart friendly and allows short-term rentals with no HOA, no deed restrictions, making it perfect for full-time residents, part-time snowbirds, or investors. The Suncoast Parkway offers easy commuting to Tampa, Brooksville, and beyond.
Listing Agent
JT REALTY & ASSOCIATES Brokerage Phone: 352-279-2640 License #3447180 Listed on: 05/30/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $466
Year Built
- Built in 2000
Lot Details
- 6,000 Sq Ft Lot
- 60 Feet of Salt Water Canal Waterfront
- Property fronts gulf or ocean
- Property fronts a saltwater canal
- Street terminates at a dead end
- West Facing Home
- Chain Link Fence
- Property is zoned R1B
Parking
- 4 Car Attached Garage
- RV Garage
Home Design
- Coastal Architecture
- Elevated Home
- Pillar, Post or Pier Foundation
- Frame Construction
- Shingle Roof
- Vinyl Siding
- Pile Dwellings
Interior Spaces
- 1,697 Sq Ft Home
- 2-Story Property
- Open Floorplan
- Ceiling Fan
- Blinds
- French Doors
- Sliding Doors
- Family Room Off Kitchen
- Combination Dining and Living Room
- Vinyl Flooring
- Canal Views
- Basement with some natural light
- Laundry Room
Kitchen
- Range
- Microwave
- Dishwasher
- Solid Surface Countertops
- Solid Wood Cabinet
- Disposal
Bedrooms and Bathrooms
- 3 Bedrooms
- Primary Bedroom Upstairs
- Split Bedroom Floorplan
- 3 Full Bathrooms
- Soaking Tub
Outdoor Features
- Water access To Gulf or Ocean
- No Fixed Bridges
- Property is near a marina
- Access to Saltwater Canal
- Seawall
- No Wake Zone
- Floating Dock
- Dock made with wood
- Balcony
- Exterior Lighting
- Rear Porch
Location
- Flood Zone Lot
- Flood Insurance May Be Required
Utilities
- Central Heating and Cooling System
- Thermostat
- Electric Water Heater
- High Speed Internet
Listing and Financial Details
- Visit Down Payment Resource Website
- Legal Lot and Block 3 / 26
- Assessor Parcel Number R12-223-16-2010-0260-0030
Community Details
Overview
- No Home Owners Association
- Gulf Coast Ret Subdivision
- The community has rules related to allowable golf cart usage in the community
Recreation
- Boat Ramp
Map
Home Values in the Area
Average Home Value in this Area
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 |
|---|---|---|---|---|
| 2024 | $5,023 | $480,299 | -- | -- |
| 2023 | $5,023 | $342,774 | $0 | $0 |
| 2022 | $4,939 | $332,790 | $0 | $0 |
| 2021 | $4,993 | $323,097 | $0 | $0 |
| 2020 | $4,680 | $318,636 | $0 | $0 |
| 2019 | $5,372 | $331,125 | $61,560 | $269,565 |
| 2018 | $4,385 | $302,831 | $54,780 | $248,051 |
| 2017 | $4,362 | $270,850 | $56,400 | $214,450 |
| 2016 | $3,771 | $225,584 | $0 | $0 |
| 2015 | $3,483 | $205,076 | $0 | $0 |
| 2014 | $3,366 | $196,587 | $0 | $0 |
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 10/29/2025 10/29/25 | Price Changed | $695,000 | -0.6% | $410 / Sq Ft | |
| 10/10/2025 10/10/25 | Price Changed | $699,000 | 0.0% | $412 / Sq Ft | |
| 10/10/2025 10/10/25 | For Sale | $699,000 | +3.6% | $412 / Sq Ft | |
| 08/20/2025 08/20/25 | Off Market | $675,000 | -- | -- | |
| 08/18/2025 08/18/25 | For Sale | $675,000 | 0.0% | $398 / Sq Ft | |
| 08/11/2025 08/11/25 | Pending | -- | -- | -- | |
| 08/01/2025 08/01/25 | Price Changed | $675,000 | -2.2% | $398 / Sq Ft | |
| 06/29/2025 06/29/25 | Price Changed | $690,000 | -0.7% | $407 / Sq Ft | |
| 05/30/2025 05/30/25 | For Sale | $695,000 | +3.9% | $410 / Sq Ft | |
| 04/28/2023 04/28/23 | Sold | $669,000 | -1.5% | $394 / Sq Ft | View Prior Sale |
| 04/02/2023 04/02/23 | Pending | -- | -- | -- | |
| 03/24/2023 03/24/23 | For Sale | $679,000 | +86.0% | $400 / Sq Ft | |
| 04/12/2019 04/12/19 | Sold | $365,000 | -5.2% | $215 / Sq Ft | View Prior Sale |
| 02/21/2019 02/21/19 | Pending | -- | -- | -- | |
| 08/02/2018 08/02/18 | For Sale | $385,000 | -- | $227 / Sq Ft |
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $669,000 | None Listed On Document | |
| Warranty Deed | $365,000 | North American Title Company | |
| Warranty Deed | $18,000 | -- |
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $669,000 | VA | |
| Previous Owner | $292,000 | New Conventional | |
| Previous Owner | $10,000 | No Value Available |
Source: Stellar MLS
MLS Number: TB8391203
APN: R12-223-16-2010-0260-0030
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Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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