Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
Direct Gulf Access - 4392 3RD ISLE DR, HERNANDO BEACH
3rd Isle Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
3rd Isle Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
3rd Isle Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront - 4392 3RD ISLE DR, HERNANDO BEACH
Front Driveway - 4392 3RD ISLE DR, HERNANDO BEACH
Entryway - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually staged Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually staged Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 20 of 75
Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Living Room - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 23 of 75
Kitchen - 4392 3RD ISLE DR, HERNANDO BEACH
Kitchen - 4392 3RD ISLE DR, HERNANDO BEACH
Kitchen - 4392 3RD ISLE DR, HERNANDO BEACH
Kitchen - 4392 3RD ISLE DR, HERNANDO BEACH
Kitchen - 4392 3RD ISLE DR, HERNANDO BEACH
Hallway - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually staged Primary Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually staged Primary Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Bathroom - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Bathroom - 4392 3RD ISLE DR, HERNANDO BEACH
Primary Bathroom Shower - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 38 of 75
Virtually staged Guest Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Guest Suite - 4392 3RD ISLE DR, HERNANDO BEACH
Guest Bath - 4392 3RD ISLE DR, HERNANDO BEACH
Guest Bath - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually Staged 3rd Bd-Office - 4392 3RD ISLE DR, HERNANDO BEACH
3rd Bd - Office - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 45 of 75
3rd Bd - Office - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 47 of 75
Virtually staged Lania - 4392 3RD ISLE DR, HERNANDO BEACH
Lanai - 4392 3RD ISLE DR, HERNANDO BEACH
Single Family Residence at 4392 3RD ISLE DR, HERNANDO BEACH, photo 50 of 75
Lanai - 4392 3RD ISLE DR, HERNANDO BEACH
Virtually staged Laundry Room - 4392 3RD ISLE DR, HERNANDO BEACH
Lanai - 4392 3RD ISLE DR, HERNANDO BEACH
Laundry Room - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard Dock - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard Dock - 4392 3RD ISLE DR, HERNANDO BEACH
Backyard Dock - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
Waterfront Aerial - 4392 3RD ISLE DR, HERNANDO BEACH
75 photos

$449,000

4392 3RD ISLE DR
HERNANDO BEACH, FL 34607
Listed by Marisa Brewer · PREFERRED PROPERTY ASSOC INC
Bedrooms
3
Bathrooms
2
Living area
1,260 sqft
Year built
1980

About this home

Virtually Staged. ELEVATED PEACE OF MIND & DIRECT GULF ACCESS! Single-level daily living meets ultimate coastal security in this rare Hernando Beach gem. Perched securely at an impressive 11-foot elevation, this waterfront property came through recent major storms completely untouched with NO storm water damage. Enjoy the incredible convenience of a zero-step front entry for your daily indoor lifestyle, paired with easy step access right down to your private dock. Outside, the massive brick-paver driveway provides abundant parking for your boat trailer, golf cart, or RV. The expansive waterfront paver patio offers plenty of room for outdoor dining, grilling, and relaxing along the deep-water canal. Boaters will love having direct Gulf access right from the backyard, opening the door to world-class fishing, scalloping, and island hopping throughout Florida's beautiful Nature Coast. Explore the crystal-clear Weeki Wachee River, nearby natural springs, local waterfront dining, and nature preserves just minutes away. Plus, enjoy convenient highway access to the greater Tampa Bay area, international airports, plus all the culture, entertainment, professional sporting events & cruise ship terminals, not to mention all the one-tank theme park day trips. Whether you are searching for a full-time residence, retirement retreat, seasonal waterfront escape, or potential income-producing rental, this property delivers an exceptional, hard-to-find combination of direct Gulf boating access, true single-level interior living, and high-elevation safety. This inviting 3-bedroom, 2-bath home features a bright, open floor plan, beautifully updated kitchen and bathrooms, and a spacious enclosed Florida room overlooking the canal; the perfect setting for morning coffee or evening entertaining. Value-packed and worry-free, this home boasts a brand new 2025 A/C system, providing immediate savings, maximum energy efficiency, and years of maintenance-free comfort for its next owner. Come discover an easier, more affordable way to enjoy Florida waterfront living!

Highlights

Waterfront

Property details

MLS #
MFRTB8541435
Property type
Single Family Residence
Subdivision
HERNANDO BEACH
Status
Active
Days on market
27
On market date
August 31, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.13 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
WESTSIDE ELEMENTARY SCHOOL
3.45 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
5.56 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
6.9 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

Walkability

Blended score for HERNANDO BEACH's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

17
Very car-dependent
out of 100
EPA National Walkability Index
5.7 / 20 -- Least walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,854/mo
$89,800 down
$359,200 loan
Principal & interest$2,330
Property tax (est.)$374
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.