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3085 BAYFRONT CIRCLE, Hernando Beach, FL, 34607 | $569,000
Welcome to your freshly updated 4-bedroom, 3-bath DIRECT GULF ACCESS waterfront oasis in the heart of Hernando Beach, one of the area’s most desirable direct-access boating communities! Perfect as a full-time residence or a high-performing vacation rental, this home delivers the ultimate Florida lifestyle—with no HOA, no rental restrictions, and no deed restrictions to hold you back.
Enjoy 120 feet of waterfront with low boat traffic on what’s known as Dolphin Bay. Watch dolphins swim playfully under your 16' x 24' covered dock with ample seating. The outdoor setup is an entertainer’s dream, featuring accent lighting, a 10K powered boat lift, 8x16 floating kayak dock, 12x12 raised deck, and a rooftop observation deck offering panoramic views—perfect for watching Beach Club fireworks during the holidays.
Inside, the open-concept split floor plan offers both style and functionality, with ceramic tile throughout, hurricane-impact windows, and an abundance of natural light. The updated kitchen is a true showstopper, boasting stainless steel appliances, granite countertops, backsplash, center island, wood cabinets, and coffered ceiling lighting. The spacious family room features 8’ sliders and French doors across the rear of the home, showcasing spectacular canal views and opening to an ideal area for entertaining.
Additional features include a faux stone electric fireplace with glass built-ins, crown molding, a clawfoot tub, 220 electric hookup with a pad for a hot tub, metal roof, and transferable flood insurance ($3, 997/year). This home has only experienced water intrusion once—during Hurricane Helene—and is truly move-in ready. DIRECT GULF ACCESS – NO HOA – NO SHORT-TERM RENTAL OR DEED RESTRICTIONS!
Situated just across from the Gulf of Mexico, you’ll enjoy golf cart–friendly streets, easy access to Weeki Wachee Springs, kayaking, fishing, dining, and scenic trails. With the Suncoast Parkway nearby, commuting to Tampa, Brooksville, or enjoying a spontaneous weekend escape is a breeze.
Don’t miss your chance to own this waterfront gem—schedule your private showing today!
Features
- Rooms: 3
- Bedrooms: 4
- Baths: 3 full
- Laundry: In Garage
- Style: Coastal, Ranch
- Year Built: 1975
- Garage: 1-car Driveway, Garage Door Opener
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,758
- Acreage: 0.15
- Est. Taxes: $3,007
- Lot Desc: Corner Lot, Cul-De-Sac, Flood Insurance Required, FloodZone, Irregular Lot, Near Marina, Street Dead-End
- View: Water
- Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
- MLS#: TB8375401
- Days on Market: 5 days
- Website: https://www.raveis.com
/prop/TB8375401/3085bayfrontcircle_hernandobeach_fl?source=qrflyer
Listing courtesy of JT REALTY & ASSOCIATES Phone: 352-279-2640
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
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- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
3085 BAYFRONT CIRCLE, Hernando Beach, FL, 34607
$569,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $455,200 | $455,200 | $455,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.058% | 7.050% | 6.152% |
| Monthly Tax Payment | $251 | $251 | $251 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,877 | $2,990 | $3,811 |
| Total Monthly Payment | $3,220 | $3,333 | $4,154 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388