3198 Indian Gulf Lane, FL

$1,500,000

3198 Indian Gulf Lane

Spring Hill, FL 34607

Active
3
Beds
3
Baths
1,120
Sq Ft
0.35
Acres
1984
Built
WaterfrontWater access$1,339/sqft360° tour
🏠Single Family Residence

Property type

🏗️1984

Year built

📐15,600 sqft

Lot size

📊$1,339

Price / sq ft

🏘️No HOA

HOA dues

📅155

Days on market

🚗2

Garage spaces

🌊VE*

Flood zone

About this home

THE ARTISTS SANCTUARY Where Perfection Meets the Gulf in Intimate Splendor Some seek estates to conquer—others seek sanctuaries to inspire. This exquisitely reimagined Gulf-front residence offers something increasingly rare: waterfront perfection on a human scale. Just steps from its grander neighbor, this jewel box property proves that true luxury is not always about size, it is about the flawless execution of an irreplaceable vision. The Setting: Direct Gulf frontage with those same breathtaking sunset views, but in a more intimate embrace. Your private shoreline offers immediate access to world-class fishing, kayaking, and the timeless rhythms of coastal life. Here, Old Floridas soul meets modern sophistication in perfect harmony. The Revelation: Three bedrooms, three baths, completely transformed with an artists eye for detail. Every space flows effortlessly into the next, while walls of glass dissolve the boundary between your designer interior and natures grand theater. The gourmet kitchen, crowned with stone and steel, becomes a stage for culinary adventures with the Gulf as your backdrop. The Distinction: Offered fully furnished and impeccably finished, this is the property for those who value perfection over square footage, craftsmanship over scale. Whether as your primary sanctuary, an income-producing gem, or the ideal complement to a larger estate vision, this residence delivers immediate gratification—no waiting, no construction, just pure coastal bliss from day one. For those who know that sometimes, the most precious jewels come in smaller settings. Professional appraisal on file confirms exceptional market positioning. PS For those moments when coastal sophistication calls for comfort food, a Cracker Barrel awaits just minutes away—because even paradise appreciates a good biscuit. stainless steel appliances & stone countertops. Three spacious bedrooms, three bathrooms. Current Appraisal is attached to listing.

Estimated monthly payment

Principal & interest$7,585
Property taxes$6,667
Home insurance (est.)$688

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history155 days on market

  1. Status: Active
    Sep 19, 2025
  2. Listed$1,750,000
    Sep 19, 2025
  3. Price reduced$1,500,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
155
Subdivision
Indian Bay Country Homes Unrec
County
Hernando
Year built
1984
Living area
1,120 sq ft
Price/sq ft
$1,339
Building area
2,968 sq ft (Public Records)
Lot size
15,600 sq ft
Lot category
1/4 to less than 1/2
Flood zone
VE* (12053C0283E)
Garage
2 spaces
Annual taxes
$80,000 (2024)
Parcel #
R25-223-16-2615-0010-0140
Zoning
R1A
MLS #
W7879120

Interior Details

Bedrooms
3
Full bathrooms
3
Flooring
Laminate, Wood
Appliances
Cooktop, Dishwasher, Dryer, Refrigerator, Washer
Interior features
Ceiling Fans(s)
Laundry
Inside
Stories / Levels
Two
Direction faces
North

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Boat

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Balcony, Storage
Construction materials
Stucco
Roof
Metal
Foundation
Pillar/Post/Pier
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Septic Tank
Water source
Public
Utilities
Cable Connected, Electricity Connected

Community

Pets allowed
Yes

Schools

ElementaryWestside Elementary-HNGreatSchools ↗
MiddleFox Chapel Middle SchoolGreatSchools ↗
High SchoolWeeki Wachee High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
KitchenSecond14x12
Living RoomSecond20x12
Primary BedroomSecond14x14

Listing Details

Listing date
2025-09-19
On market date
2025-09-19
Original list price
$1,750,000
Occupant type
Owner
MLS area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Listing AOR
West Pasco
Status changed
2025-09-19
Tax legal description
INDIAN BAY COUNTRY HOMES UNREC BLK 1 LOTS 13 & 14 UNDIV INT IN ROAD R/W

Flood risk

High riskFEMA Zone VE*Panel 12053C0283E

Coastal high-hazard area (Zone V) with wave action. In a FEMA Special Flood Hazard Area — flood insurance is generally required by lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From the Intersection of Cortez Blvd and Commercial Way, go S on Commercial Way, turn W onto Osowaw Blvd, turn R onto Indian Bay Lane, then L onto Indian Gulf

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of February 21, 2026 at 1:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA