$53,000

3520 Cobia Drive

Hernando Beach, FL 34607

Active
0
Baths
0.17
Acres
WaterfrontWater access$7/sqft360° tour
🏠Land

Property type

📐7,500 sqft

Lot size

📊$7

Price / sq ft

🏘️$28/mo

HOA dues

📅101

Days on market

🌊AE

Flood zone

About this home

Come Build your dream home in Hernando Beach South! Build your dream coastal home in the highly sought-after Deed Restricted Community of Hernando Beach South. This 7,500 SF (75x100) waterfront homesite is READY FOR DEVELOPMENT and includes a SURVEY, GEOTECH REPORT, and CONSTRUCTION PLANS — saving you time and money as you prepare to build. The low $330 annual HOA fee includes lawn maintenance until construction begins and access to the community boat ramp. Enjoy the benefits of a well-maintained waterfront neighborhood with NO SHORT-TERM RENTALS ALLOWED (3 month minimum rentals), helping preserve the peaceful coastal atmosphere homeowners love. Located in a flood zone, future homes must be elevated. Zoned R1B for SINGLE-FAMILY HOMES ONLY (no mobile homes permitted). Water, sewer, and electric are available at the street and will need to be connected to the future residence. NO BUILD TIME REQUIREMENT — build now, later, or hold as an investment opportunity. RV living is not permitted. Residents enjoy Gulf access through the community boat lift or community boat ramp, making it easy to enjoy boating, fishing, kayaking, and the Florida waterfront lifestyle. Contact the listing agent for a video explaining how the community boat lift operates. Hernando Beach is a charming coastal community along Florida’s Gulf Coast known for its laid-back lifestyle, scenic waterways, and excellent boating access. Nearby attractions include Weeki Wachee Springs State Park, waterfront dining, marinas, golf courses, shopping, and entertainment. Whether you're looking to build a full-time residence, vacation retreat, or future investment property, this lot offers an incredible opportunity to own in one of Hernando County’s most desirable waterfront communities. Lot lines shown in aerial photos are approximate. Property is located just past 4000 Cobia Drive on the left side of the roadway. No for sale sign on property. Land financing options may be available. No seawall is currently present on the property. Schedule your showing today and start planning your Florida coastal dream home!

Estimated monthly payment

Principal & interest$268
Property taxes$87
Home insurance (est.)$24
HOA dues$28

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 history101 days on market

  1. Status: Active
    Feb 24, 2026
  2. Listed$53,000
    Feb 3, 2026
  3. Price increased$53,000

Virtual Tour

Facts & features

Property type
Land
Status
Active
Days on market
101
Subdivision
Hernando Beach
County
Hernando
Price/sq ft
$7
Lot size
7,500 sq ft
Lot category
0 to less than 1/4
Flood zone
AE
Annual taxes
$1,045 (2025)
Parcel #
R24-223-16-2370-0135-0350
Zoning
R1B
MLS #
TB8472163

HOA & Financial

HOA fee
$330 / Annually
Monthly HOA
$28/mo
Total monthly fees
$28/mo
Total annual fees
$330
HOA name
Coastal HOA Management
CDD
No
Listing terms
Cash, Conventional
Ownership
Fee Simple

Exterior & Construction

Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt, Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Available, Public, Sewer Available, Water Available

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.

Listing Details

Listing date
2026-02-03
On market date
2026-02-03
Original list price
$53,000
MLS area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Listing AOR
Suncoast Tampa
Status changed
2026-02-24
Tax legal description
HERNANDO BEACH UNIT 13-B BLK 135 LOT 35

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

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

Location

Directions

Head North on Shoal Line Blvd,left on Jewfish Dr to Rt Sea Bass Dr to left on Cobia Dr. Property is located on the left sign of the road, just passed 4000 Cobia Drive.

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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 May 18, 2026 at 7:32 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