Land at 3520 COBIA DR, HERNANDO BEACH
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$53,000

3520 COBIA DR
HERNANDO BEACH, FL 34607
Listed by Sarah Hill · JT REALTY & ASSOCIATES
Bedrooms
N/A
Bathrooms
N/A
Living area
N/A
Year built
N/A

About this home

Come Build your dream home in Hernando Beach South! Build your dream coastal home in the highly sought-after Deed Restricted Community of Hernando Beach South. This 7,500 SF (75x100) waterfront homesite is READY FOR DEVELOPMENT and includes a SURVEY, GEOTECH REPORT, and CONSTRUCTION PLANS, saving you time and money as you prepare to build. The low $330 annual HOA fee includes lawn maintenance until construction begins and access to the community boat ramp. Enjoy the benefits of a well-maintained waterfront neighborhood with NO SHORT-TERM RENTALS ALLOWED (3 month minimum rentals), helping preserve the peaceful coastal atmosphere homeowners love. Located in a flood zone, future homes must be elevated. Zoned R1B for SINGLE-FAMILY HOMES ONLY (no mobile homes permitted). Water, sewer, and electric are available at the street and will need to be connected to the future residence. NO BUILD TIME REQUIREMENT, build now, later, or hold as an investment opportunity. RV living is not permitted. Residents enjoy Gulf access through the community boat lift or community boat ramp, making it easy to enjoy boating, fishing, kayaking, and the Florida waterfront lifestyle. Contact the listing agent for a video explaining how the community boat lift operates. Hernando Beach is a charming coastal community along Florida’s Gulf Coast known for its laid-back lifestyle, scenic waterways, and excellent boating access. Nearby attractions include Weeki Wachee Springs State Park, waterfront dining, marinas, golf courses, shopping, and entertainment. Whether you're looking to build a full-time residence, vacation retreat, or future investment property, this lot offers an incredible opportunity to own in one of Hernando County’s most desirable waterfront communities. Lot lines shown in aerial photos are approximate. Property is located just past 4000 Cobia Drive on the left side of the roadway. No for sale sign on property. Land financing options may be available. No seawall is currently present on the property. Schedule your showing today and start planning your Florida coastal dream home!

Highlights

Waterfront

Property details

MLS #
MFRTB8472163
Property type
Land
Subdivision
HERNANDO BEACH
Status
Active
Days on market
201
On market date
February 3, 2026
Stories
N/A
Total bathrooms
N/A
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.17 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
WESTSIDE ELEMENTARY SCHOOL
2.25 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
546
Student:teacher ratio
14.4:1
District
HERNANDO
Middle
FOX CHAPEL MIDDLE SCHOOL
5.97 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
810
Student:teacher ratio
18.4:1
District
HERNANDO
High
FRANK W. SPRINGSTEAD HIGH SCHOOL
6.81 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,894
Student:teacher ratio
20.4:1
District
HERNANDO

Mortgage calculator

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Est. monthly payment
$469/mo
$10,600 down
$42,400 loan
Principal & interest$275
Property tax (est.)$44
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 3 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.