Waterfront Stilt Home on extra large Double Lot with Direct Gulf Access with 4, 070 sqft under roof. This beautifully maintained two-story waterfront home, built by Wysocki, offers direct access to the Gulf of Mexico from a wide, deep canal with no bridges or locks to navigate. Located on a peaceful cul-de-sac in the charming community of Hernando Beach, this property boasts numerous updates and upgrades, ensuring comfort and convenience. Relex on your upper deck overlooking the Gasparilla Canal that leads directly to the Gulf of Mexico. Beautiful sunsets of orange and pink will dazzle you nightly. Your wrap-around upper balcony is accessible from the main living area as well as the master bedroom. Entertain in your expansive outdoor space, perfect for outdoor enthusiasts, or take the family out fishing for the day. 5 beds (3 on Upper Level, 2 on ground level ) with 4 bathrooms (2 on Upper Level, 2 on ground level)
Key Features:
Exterior & Structural Updates: New exterior paint in 2022, new roof in 2016, and impact fees paid on attached lot. The property includes a double lot with no deed restrictions, HOA, or CDD fees.
Windows & A/C: All new windows upstairs in 2019, with new A/C units installed upstairs in 2017 (17 SEER) and downstairs in 2022, complete with new ducting. Both units are mounted above ground.
Interior Renovations: The home offers an open floor plan with a 22-ft great room overlooking the water and a beautiful wood-burning fireplace. Living areas feature luxury tile and natural hardwood floors, with hickory cabinets, soft close drawers, granite countertops, and a glass backsplash in the kitchen.
Bathrooms: Both upstairs showers were enlarged and remodeled in 2021 with new tile, glass doors, and vanities. The downstairs bathroom, fully remodeled in 2022, includes a large, tiled walk-in shower with multiple shower heads and a bench.
Appliances: The kitchen includes a 2018 Frigidaire refrigerator and dishwasher, a Whirlpool double oven, and a 2022 Whirlpool microwave.
Outdoor Living:
Dock & Boat Lift: A private 8x16 floating dock with a 10, 000 lb. boat lift and 30 amp service at the seawall make this home perfect for boaters. There's a 2024 8x10 composite dock and 100 amp service in the side lot.
Landscaping: New fencing (2024), artificial turf in the side yard, and a privacy wall. The property also includes a swim spa with a tiki-style cover, grill gazebo, and cool deck flooring on the patio and garage.
Location:
Minutes from the public boat ramp and just 15 minutes from US-19, providing access to restaurants, shops, and entertainment. Natural attractions like Weeki Wachee Springs and Pine Island State Park are nearby.
Fishing enthusiasts can head out to the flats or offshore waters to catch snapper, grouper, and cobia within minutes from the dock.
This home has never had water intrusion, even during major storms. The elevated location and quality construction ensure peace of mind in this serene waterfront setting.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $960,000 | $960,000 | $960,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.625% | 6.625% | 6.625% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.282% | 6.762% | 6.036% |
Monthly Tax Payment | $320 | $320 | $320 |
H/O Insurance Payment | $125 | $125 | $125 |
Initial Principal & Interest Pmt | $6,147 | $6,147 | $8,429 |
Total Monthly Payment | $6,592 | $6,592 | $8,874 |
* 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.