Twilight aerial showcasing the waterfront residence and natural coastal setting. - 3198 INDIAN GULF LN, HERNANDO BEACH
Sweeping aerial view across the property, coastal wetlands, and Gulf of America beyond. - 3198 INDIAN GULF LN, HERNANDO BEACH
Twilight exterior highlighting the expansive covered outdoor living area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Twilight aerial showing the residence, waterfront, and surrounding grounds. - 3198 INDIAN GULF LN, HERNANDO BEACH
Front exterior view of the elevated waterfront residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Front and side perspective highlighting the wraparound upper-level balcony. - 3198 INDIAN GULF LN, HERNANDO BEACH
Rear and side exterior showing the elevated construction and covered ground-level living area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Waterfront-side exterior highlighting the expansive covered outdoor entertaining space. - 3198 INDIAN GULF LN, HERNANDO BEACH
Exterior stairway providing access to the upper-level residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Upper-level entry landing with waterfront views nearby. - 3198 INDIAN GULF LN, HERNANDO BEACH
Covered front entry to the main residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Entry opening into the spacious living area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Main living room with open-concept layout and coastal décor. - 3198 INDIAN GULF LN, HERNANDO BEACH
Expansive open-concept kitchen, living, and dining area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Kitchen and dining area positioned to take advantage of waterfront views. - 3198 INDIAN GULF LN, HERNANDO BEACH
Bright kitchen featuring white cabinetry, extensive countertops, and stainless appliances. - 3198 INDIAN GULF LN, HERNANDO BEACH
Kitchen and breakfast bar providing abundant seating and workspace. - 3198 INDIAN GULF LN, HERNANDO BEACH
Guest bedroom with direct access to the waterfront balcony. - 3198 INDIAN GULF LN, HERNANDO BEACH
Alternate guest bedroom view showing additional furnishings and storage. - 3198 INDIAN GULF LN, HERNANDO BEACH
Guest bathroom with pedestal sink and tub/shower combination. - 3198 INDIAN GULF LN, HERNANDO BEACH
Tub and shower detail in the guest bathroom. - 3198 INDIAN GULF LN, HERNANDO BEACH
Primary bedroom with coordinated coastal furnishings. - 3198 INDIAN GULF LN, HERNANDO BEACH
Primary bedroom with large windows and waterfront exposure. - 3198 INDIAN GULF LN, HERNANDO BEACH
First-Floor Guest/Flex Room – Finished Interior & Natural Light - 3198 INDIAN GULF LN, HERNANDO BEACH
First-Floor Guest/Flex Room – Alternate View - 3198 INDIAN GULF LN, HERNANDO BEACH
Interior hallway with convenient access to the laundry area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Updated bathroom featuring a tiled walk-in shower. - 3198 INDIAN GULF LN, HERNANDO BEACH
Bathroom and laundry area with stacked washer and dryer. - 3198 INDIAN GULF LN, HERNANDO BEACH
Additional bathroom with coastal-inspired finishes. - 3198 INDIAN GULF LN, HERNANDO BEACH
Walk-in shower detail with tiled surround. - 3198 INDIAN GULF LN, HERNANDO BEACH
Spacious upper-level waterfront balcony. - 3198 INDIAN GULF LN, HERNANDO BEACH
Balcony seating overlooking the water and natural coastal landscape. - 3198 INDIAN GULF LN, HERNANDO BEACH
Side balcony with views across the coastal marshlands. - 3198 INDIAN GULF LN, HERNANDO BEACH
Covered balcony extending along the side of the residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Balcony View – Grounds, Waterfront & Neighboring Residence - 3198 INDIAN GULF LN, HERNANDO BEACH
Elevated view across the property toward the natural coastal wetlands and Gulf of America. - 3198 INDIAN GULF LN, HERNANDO BEACH
Waterfront grounds with broad lawn area and direct water frontage. - 3198 INDIAN GULF LN, HERNANDO BEACH
Grounds & Coastal Setting – Neighboring Residence Beyond - 3198 INDIAN GULF LN, HERNANDO BEACH
Covered ground-level patio with direct access through sliding glass doors. - 3198 INDIAN GULF LN, HERNANDO BEACH
Expansive covered outdoor living and entertaining area beneath the residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Covered waterfront seating area with wide-open water views. - 3198 INDIAN GULF LN, HERNANDO BEACH
Outdoor living area positioned directly along the waterfront. - 3198 INDIAN GULF LN, HERNANDO BEACH
Alternate view showcasing the scale of the covered entertainment space. - 3198 INDIAN GULF LN, HERNANDO BEACH
Additional perspective of the covered patio and multiple seating areas. - 3198 INDIAN GULF LN, HERNANDO BEACH
Relaxation area oriented toward the water and surrounding natural scenery. - 3198 INDIAN GULF LN, HERNANDO BEACH
Covered patio extending across the ground level of the residence. - 3198 INDIAN GULF LN, HERNANDO BEACH
Outdoor bar area with stainless sink and generous counter space. - 3198 INDIAN GULF LN, HERNANDO BEACH
Waterfront-oriented outdoor bar and entertaining area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Wide view of the covered bar and adjoining outdoor living space. - 3198 INDIAN GULF LN, HERNANDO BEACH
Custom bar top with distinctive coastal-themed detailing. - 3198 INDIAN GULF LN, HERNANDO BEACH
Ground-level garage and storage area. - 3198 INDIAN GULF LN, HERNANDO BEACH
Alternate garage view showing additional storage and direct exterior access. - 3198 INDIAN GULF LN, HERNANDO BEACH
Seawall-mounted boat lift providing convenient vessel storage and direct water access. - 3198 INDIAN GULF LN, HERNANDO BEACH
Seawall-mounted boat lift providing convenient vessel storage and direct water access. - 3198 INDIAN GULF LN, HERNANDO BEACH
Elevated aerial showing the residence positioned directly along the waterfront. - 3198 INDIAN GULF LN, HERNANDO BEACH
Aerial perspective highlighting the residence, seawall, lawn, and water frontage. - 3198 INDIAN GULF LN, HERNANDO BEACH
Aerial View – 3198 Indian Gulf Lane, Lot 13 & Waterfront - 3198 INDIAN GULF LN, HERNANDO BEACH
Overhead Aerial – 3198 Indian Gulf Lane, Lot 13 & Surrounding Context - 3198 INDIAN GULF LN, HERNANDO BEACH
Direct overhead aerial of the main residence and surrounding landscaped grounds. - 3198 INDIAN GULF LN, HERNANDO BEACH
Wide aerial illustrating the property's waterfront position within the surrounding coastal environment. - 3198 INDIAN GULF LN, HERNANDO BEACH
Expansive aerial showing the property surrounded by natural wetlands and waterways. - 3198 INDIAN GULF LN, HERNANDO BEACH
High aerial view toward the Gulf of America across the undeveloped coastal marshlands. - 3198 INDIAN GULF LN, HERNANDO BEACH
3198 Indian Gulf Lane & Lot 13; 3194 Shown for Location Context Only - 3198 INDIAN GULF LN, HERNANDO BEACH
First-Floor Floor Plan – Covered Patio, Guest/Flex Room, Full Bath & Garage - 3198 INDIAN GULF LN, HERNANDO BEACH
Second-Floor Floor Plan – Living, Dining, Kitchen, Primary Suite, Guest Bedroom & Balconies - 3198 INDIAN GULF LN, HERNANDO BEACH
Combined Floor Plan – First & Second Levels, Covered Patio, Garage, Living Areas, Bedrooms & Balconies - 3198 INDIAN GULF LN, HERNANDO BEACH
66 photos

$1,199,000

3198 INDIAN GULF LN
HERNANDO BEACH, FL 34607
Listed by Anthony Kanaris PLLC · BRIDGE POINT BUSINESS REAL EST
Bedrooms
2
Bathrooms
3
Living area
1,344 sqft
Year built
1984

About this home

Experience an exceptional waterfront lifestyle at 3198 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This extensively renovated coastal residence is offered together with adjoining Lot 13, which forms an integral part of the homesite. The property combines comfortable coastal living with open water views, a poured-concrete seawall, private boat lift, expansive upper balcony, large covered ground-level entertaining area and one-car garage. The main living level features an open and inviting floor plan designed to take advantage of the surrounding waterfront setting. The living room, dining area and remodeled kitchen flow together, with generous windows and sliding glass doors providing abundant natural light and views toward the water. The kitchen features white cabinetry, granite countertops, stainless-steel appliances, extensive counter space and a large island/breakfast bar providing additional seating and workspace. Wood-look flooring, plantation shutters, ceiling fans and coordinated coastal finishes contribute to the home's updated presentation. The adjoining upper balcony substantially extends the living and dining areas outdoors and provides an ideal setting for relaxing, dining or enjoying the natural waterfront surroundings. The upper level includes the primary bedroom with private bath, a second bedroom, an additional full bath and laundry area. A finished first-floor room provides valuable additional flexibility. Although this room does not have a closet, it is finished consistently with the home, has a window and conventional access, and includes a full private bathroom. The space is well suited for use as a guest bedroom, den, home office or other flex space. Outdoor living is equally impressive. A substantial covered paver area beneath the home creates a shaded entertaining space complete with a dedicated bar area, while the upper balcony provides elevated views across the water. The poured-concrete seawall and private boat lift make the property particularly appealing for boating, fishing, kayaking and exploring the surrounding waterways leading to the Gulf of America. The home also features a metal roof, paver driveway and extensive updating throughout. Aripeka is part of Florida's Nature Coast and the greater Hernando Beach market area, offering convenient access to a variety of outdoor recreation and waterfront destinations. Nearby amenities include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. SunWest Park in Hudson provides additional beach and water recreation, while Weeki Wachee Springs is also within convenient reach. Popular Hernando Beach dining destinations include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping, dining and everyday services, including Cracker Barrel on Commercial Way. 3198 Indian Gulf Lane offers a distinctive combination of updated coastal living, flexible interior space, boating amenities and the natural waterfront setting that defines the Hernando Beach and 34607 coastal market.

Highlights

Waterfront

Property details

MLS #
MFRW7888807
Property type
Single Family Residence
Subdivision
INDIAN BAY COUNTRY HOMES UNREC
Status
Active
Days on market
1
On market date
August 25, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
1
Parking spaces
N/A
Lot size
0.36 acres
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Nearby schools

Within 10 miles · public school directory data (NCES)

Elementary
WESTSIDE ELEMENTARY SCHOOL
2.29 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
HUDSON ACADEMY
6.16 mi away · Grades 4-8
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
994
Student:teacher ratio
18.4:1
District
PASCO
High
HUDSON HIGH SCHOOL
6.26 mi away · Grades 6-12
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
1,326
Student:teacher ratio
20.4:1
District
PASCO

Mortgage calculator

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Est. monthly payment
$7,371/mo
$239,800 down
$959,200 loan
Principal & interest$6,221
Property tax (est.)$999
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 2 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.