3351 POINSETTIA DRIVE, HERNANDO BEACH, FL, 34607
Pending105 days on marketListed Apr 25, 2026MLS #W7885204
About this home
3351 POINSETTIA DRIVE
Welcome to your elevated slice of coastal paradise in Hernando Beach—a beautifully updated stilt pool home designed for effortless waterfront living and laid-back Gulf Coast vibes. This 3-bedroom, 2-bathroom home, built in 2020, delivers peace of mind with newer construction, modern building standards, and hurricane-resilient features that today’s buyers demand. Step inside to an open-concept floor plan filled with natural light, clean lines, and upscale finishes throughout—perfect for both relaxing and entertaining. The outdoor space is where this home truly shines. The expansive backyard is centered around a stunning 12x30 swimming pool complete with a sunshelf and elegant travertine decking—your own private resort. Just beyond, enjoy 62 feet of concrete seawall and an 8x16 floating dock on a spring-fed freshwater canal. Whether you're launching a kayak, paddleboard, or small boat, or simply casting a line from your dock, this is Florida waterfront living at its finest. (Indirect Gulf access via lift and fixed bridge.) Inside and out, the home is loaded with thoughtful upgrades: Whole-house impact and thermal windows with Cat 5 hurricane screens on the upstairs lanai Granite kitchen countertops, composite sink, and Moen fixtures Stacked stone kitchen island with LED lighting Limestone backsplash with under-cabinet lighting Quartz bathroom vanities with premium fixtures Updated master shower tile Trex composite front deck and stairs Located in the desirable middle section of Hernando Beach, there’s no HOA—giving you the flexibility for short-term rentals and the freedom to store your boat, RV, trailer, or work vehicles right at home. Ideal for those who love kayaking, paddleboarding, and smaller watercraft, or anyone seeking affordable waterfront living without compromise. Life in Hernando Beach is unlike anywhere else. Tucked along the Gulf Coast and accessible by a quiet coastal road, this hidden gem is all about boating, fishing, and a relaxed Old Florida lifestyle. Cruise the scenic canal system out toward the Gulf, explore nearby hotspots like the Weeki Wachee River with its crystal-clear 74° spring waters, or head south to the iconic Anclote Key Preserve State Park for pristine beaches and island adventures. From inshore fishing for redfish and snook to offshore runs for grouper and snapper, this area is a dream for anglers and boaters alike. And when you're back on land, enjoy local marinas, waterfront dining, tiki bars, and seafood markets that give Hernando Beach its unmistakable coastal charm. Despite its secluded feel, you’re just minutes from everyday conveniences—shopping, dining, hospitals, and major routes—plus about an hour to Tampa International Airport. If you’ve been searching for a home that captures the essence of coastal living—where every day feels like a getaway—this is it.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,651
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$394
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,370 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,370/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+14%
Days on market
105 vs 47 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hernando Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Hernando Beach. See the full Hernando Beach guide →
HERNANDO BEACH 34607 — neighborhood snapshot
Population
9,046
Median age
55.7
Median income
$61,221
Median home value
$343,100
Avg household
2.3
Households w/ children
740
For the school run
Hernando County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando Beach market
$453K → $500K
Hernando Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3351 POINSETTIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3351 POINSETTIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
3351 POINSETTIA DRIVE FAQs
What would the monthly payment be for 3351 POINSETTIA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,370/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3351 POINSETTIA DRIVE?+
The most recent tax bill on record (2025) was $5,504. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando Beach?+
At $650,000, this home is listed about 27% above the Hernando Beach median of $512,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3351 POINSETTIA DRIVE?+
Westside Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$650,000 runs 97% above the HERNANDO BEACH 34607 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
105 days on market against a Hernando Beach median of 47 — sellers in this position are usually ready to negotiate.
Listing courtesy of GULF COAST FISHING HOMES RLTY · GREG Klesius. MLS #W7885204.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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