3270 HIBISCUS DRIVE, HERNANDO BEACH, FL, 34607
Active242 days on marketListed Nov 21, 2025MLS #W7880914
About this home
3270 HIBISCUS DRIVE
This elevated 2022 Gulfstream Homes custom build delivers modern coastal living with freedom and flexibility. Featuring 3 bedrooms and 2 bathrooms in a thoughtful split open floor plan, this home offers privacy, comfort, and stylish finishes throughout—with no HOA and no short-term rental restrictions. Inside, you’ll find designer touches including crown-topped kitchen cabinetry with soft-close drawers and doors, stainless steel appliances, luxury vinyl flooring (installed 3 months ago), upgraded bathroom hardware, and immaculate contemporary styling. The home has no carpet and has never flooded—there is no ground-level living space, making storm prep as simple as locking the door and moving your vehicles. Step outside to your own Florida retreat: a heated saltwater pool (12x24) surrounded by cool-deck pavers (40x20), tropical banana trees that actually produce, and a floating dock perfect for kayaking or waterfront relaxation. Two sheds provide additional storage, and the property includes three driveways with space for 6–12 vehicles—ideal for guests, trailers, or a boat. A boat lift is nearby or enjoy quick water access from the public boat ramp just 2 minutes away. Upgraded James Hardie Hardie Plank Fiber Cement Siding enhances durability and curb appeal, backed by a 30-year non-prorated warranty and a 15-year ColorPlus finish warranty. With a quiet location just minutes from restaurants, parks, and attractions, this home functions beautifully as a primary residence, vacation getaway, or high-performing investment property—especially with zero rental restrictions. Don’t miss this incredible opportunity to own a newer elevated home with over $55,000+ in upgrades and unmatched flexibility. Schedule your showing today—this one won’t last!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,235
Sqft
0.16 ac
Lot size
2022
Year built
Two
Levels
$443
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,039 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,039/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+22.7%
$/sqft vs HERNANDO BEACH
$443 vs $353
Days on market
242 vs 35 typical
Where $443/sqft sits among the 25 homes for sale in HERNANDO BEACH
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando Beach
Get to know Hernando Beach. See the full Hernando Beach guide →
HERNANDO BEACH 34607 — neighborhood snapshot
Population
9,046
Median age
55.7
Median income
$61,221
Median home value
$343,100
Avg household
2.3
Households w/ children
740
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando Beach market
$495K → $488K
Hernando Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
14 of 25
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3270 HIBISCUS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$470,000
3356 OLEANDER DRIVE · same community
3 bd · 2 ba · 1,242 sqft · $378/sqft · 103 DOM
Sold · Oct ’25$520,000
3416 FERNLEAF DRIVE · same community
3 bd · 2 ba · 1,204 sqft · $432/sqft · 61 DOM
Sold · Apr ’26$630,000
4023 COMPANERO ENTRA · same community
3 bd · 3 ba · 1,374 sqft · $459/sqft · 27 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3270 HIBISCUS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3270 HIBISCUS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3270 HIBISCUS DRIVE FAQs
What would the monthly payment be for 3270 HIBISCUS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,039/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3270 HIBISCUS DRIVE?+
The most recent tax bill on record (2024) was $5,002. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando Beach?+
At $547,000, this home is priced right at the Hernando Beach median.
Which schools are assigned to 3270 HIBISCUS DRIVE?+
Fox Chapel Middle School (middle), Deltona Elementary School (elementary), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$547,000 runs 70% above the HERNANDO BEACH 34607 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
242 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Katrina Stough. MLS #W7880914.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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