Many of your neighbors will be jealous.. Buy this direct access waterfront 4/3 home to get the best insurance rates. Assumable flood insurance which is just 810 per year for the current owners + an estimate of 1,992 per year for homeowner's & wind insurance is a fantastic perk that is very affordable plus adds peace of mind to this coastal paradise. Your neighbors keep asking about these affordable amounts.. Thinking it has to do with the insurance agent but it has to do with the wind mitigation home report & the capped assumable flood insurance on this home... The current owners will pay for your first year of insurance for primary homeowners, wind and flood because it is so affordable! Moving to the gulf coast? Looking for a change of lifestyle & the perfect place for your new boat? Look no further.. Direct access (no fixed bridges no loch) tucked in yet only boating minutes to the open gulf. There is a great vibe in this part of the coastal community of hernando beach.. Located around the corner from the marina, tropical tiki grille + station to fuel up for a day out on the water. Your boat will have a 2018 10k boat lift with composite deck & dock. Enjoy your own fish cleaning station, complete with shore water & power, making your days on the water seamless & enjoyable. Three story key west style coastal waterfront home features 3 bedrooms 2 bathrooms plus an additional 1 bedroom 1 bathroom guest quarters. Perfect for your family full time or as a vacation home. For investors, this neighborhood also allows short term rentals, offering a wonderful opportunity to capitalize on the thriving tourism in the area. Impressive open floor plan with soaring 17' vaulted ceilings that create a sense of spaciousness & light. The remodeled kitchen (2017) boasts traditional warmth & contemporary cabinets with tubular handles, soft close drawers, granite countertops, stainless steel appliances & nice sized pantry. The expansive great room features a wall of windows allowing natural light to come indoors. The home is not only beautifully designed but meticulously maintained. Recent updates include a 2008 metal roof with over 30 years of remaining life (per the 2024 four point inspection), a 2018 hvac system with a 10 year home warranty, a 2019 electrical panel box, and a 2021 water heater. Downstairs has storage plus a carport & level 2 ev charger. Your waterfront has open & covered area designed to for memorable barbecues & family gatherings. Whether you are hosting friends or enjoying quiet evenings watching the sunset, this outdoor space invites relaxation and fun. Located in the charming coastal community of hernando beach, you'll have access to delightful restaurants, marinas, and cozy coffee shops. Enjoy nearby recreational activities, including the 16 lake preserve, which features biking and walking trails, as well as easy access to the famous weeki wachee river. Don't miss your chance to own this remarkable waterfront home where every day feels like a vacation. Adorned by banana trees, avocado, mango, barbados cherry, pomegranate and passion fruit vines.. The current owners have cherished every moment in this beautiful home but are ready to pass it on to someone who will love it just as much. Contact us today to schedule your private tour and embrace the lifestyle you've always dreamed of.