4049 Cobia DRIVE, Hernando Beach, FL, 34607 | $650,000

Nestled along the tranquil shores of a picturesque water canal, this stunning three-story residence offers an unparalleled blend of coastal charm and luxurious living. With direct access to the Gulf, indulge in the ultimate waterfront lifestyle where every day feels like a vacation.
The first floor crowns this coastal oasis with a versatile space ideal for an office, home theater room, or guest suite. Step outside to the terrace and behold panoramic vistas stretching across the canal and towards the Gulf horizon. Whether hosting gatherings under the stars or unwinding in solitude, this sanctuary promises moments of tranquility and inspiration.

Upon entering the second floor, you're greeted by an elegant foyer that sets the tone for the home's ambiance. It boasts expansive living areas seamlessly flowing from room to room, each adorned with tasteful finishes and panoramic views of the canal. A gourmet kitchen, complete with top-of-the-line appliances and custom cabinetry, serves as the heart of the home, perfect for culinary enthusiasts and entertaining alike. Two guest bedrooms, media space, and laundry room complete the home for a comfortable living lifestyle.

Ascend to the third floor where relaxation meets indulgence. Here, the primary suite awaits, featuring a private balcony overlooking the shimmering waters, a bathroom retreat, and ample closet space. It offers comfort and privacy, each thoughtfully designed to capture natural light and serene views.

Outside, the property is located on 75 Feet of spring-fed saltwater canal frontage creating a private haven for outdoor activities. A private dock awaits boating enthusiasts, providing easy access to the Gulf of Mexico for fishing, leisurely cruises, or exploring nearby coastal treasures. This Home features hurricane-impact windows, an alarm system, and a house generator hookup.

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Coastal
  • Year Built: 2002
  • Garage: 2-car Circular Driveway, Garage Door Opener, Ground Level, Split Garage, Workshop in Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,017
  • Acreage: 0.17
  • Est. Taxes: $3,573
  • HOA Fee: $245 Annually
  • Lot Desc: Flood Insurance Required
  • View: Water
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Convection Oven, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Water Softener
  • MLS#: O6260216
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/O6260216/4049cobiadrive_hernandobeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 12/4/2024 2:07:48 PM)
Listing courtesy of Real Broker, LLC   Phone: 407-279-0038

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NMLS Mortgage Loan Originator ID 16953

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Melissa.Cohn@raveis.com

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4049 Cobia DRIVE, Hernando Beach, FL, 34607

$650,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $520,000 $520,000 $520,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.875% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.352% 7.042% 6.160%
Monthly Tax Payment $298 $298 $298
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,416 $3,416 $4,353
Total Monthly Payment $3,806 $3,806 $4,743

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.