3198 Indian Gulf Lane, FL
Stellar MLS
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$1,199,000

3198 Indian Gulf Lane

Hernando Beach, FL 34607

Listing updated: August 26, 2026 at 6:51 AM ET

Active
Stellar MLSListing courtesy of Bridge Point Business Real Est · Anthony Kanaris PLLC · MLS #W7888807 · Active · 352-515-0226
2
Beds
3
Baths
1,344
Sq Ft
0.36
Acres
1984
Built
WaterfrontWater access$892/sqft360° tour
Single Family Residence

Property type

1984

Year built

15,632 sqft

Lot size

$892

Price / sq ft

No HOA

HOA dues

1

Day on market

1

Garage space

AE

Flood zone

About this home

Experience an exceptional waterfront lifestyle at 3198 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This extensively renovated coastal residence is offered together with adjoining Lot 13, which forms an integral part of the homesite. The property combines comfortable coastal living with open water views, a poured-concrete seawall, private boat lift, expansive upper balcony, large covered ground-level entertaining area and one-car garage. The main living level features an open and inviting floor plan designed to take advantage of the surrounding waterfront setting. The living room, dining area and remodeled kitchen flow together, with generous windows and sliding glass doors providing abundant natural light and views toward the water. The kitchen features white cabinetry, granite countertops, stainless-steel appliances, extensive counter space and a large island/breakfast bar providing additional seating and workspace. Wood-look flooring, plantation shutters, ceiling fans and coordinated coastal finishes contribute to the home's updated presentation. The adjoining upper balcony substantially extends the living and dining areas outdoors and provides an ideal setting for relaxing, dining or enjoying the natural waterfront surroundings. The upper level includes the primary bedroom with private bath, a second bedroom, an additional full bath and laundry area. A finished first-floor room provides valuable additional flexibility. Although this room does not have a closet, it is finished consistently with the home, has a window and conventional access, and includes a full private bathroom. The space is well suited for use as a guest bedroom, den, home office or other flex space. Outdoor living is equally impressive. A substantial covered paver area beneath the home creates a shaded entertaining space complete with a dedicated bar area, while the upper balcony provides elevated views across the water. The poured-concrete seawall and private boat lift make the property particularly appealing for boating, fishing, kayaking and exploring the surrounding waterways leading to the Gulf of America. The home also features a metal roof, paver driveway and extensive updating throughout. Aripeka is part of Florida's Nature Coast and the greater Hernando Beach market area, offering convenient access to a variety of outdoor recreation and waterfront destinations. Nearby amenities include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. SunWest Park in Hudson provides additional beach and water recreation, while Weeki Wachee Springs is also within convenient reach. Popular Hernando Beach dining destinations include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping, dining and everyday services, including Cracker Barrel on Commercial Way. 3198 Indian Gulf Lane offers a distinctive combination of updated coastal living, flexible interior space, boating amenities and the natural waterfront setting that defines the Hernando Beach and 34607 coastal market.

Estimated monthly payment

Principal & interest$6,063
Property taxes$1,473
Home insurance (est.)$550

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 history1 days on market

  1. Status: Active
    Aug 25, 2026
  2. Listed$1,199,000
    Aug 25, 2026
  3. Price increased$1,199,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Indian Bay Country Homes Unrec
County
Hernando
Year built
1984
Living area
1,344 sq ft
Price/sq ft
$892
Building area
2,968 sq ft (Appraiser)
Lot size
15,632 sq ft
Lot category
1/4 to less than 1/2
Flood zone
AE (12053C0283E)
Garage
1 spaces
Annual taxes
$17,674 (2025)
Parcel #
R25-223-16-2615-0010-0140
Zoning
R1A
MLS #
W7888807

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Interior Details

Bedrooms
2
Full bathrooms
3
Flooring
Brick, Ceramic Tile, Luxury Vinyl
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Crown Molding, Open Floorplan, PrimaryBedroom Upstairs, Stone Counters, Window Treatments
Laundry
Electric Dryer Hookup, Inside, Upper Level, Washer Hookup
Stories / Levels
Two
Direction faces
North

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air, Wall/Window Unit(s)

Parking

Garage spaces
1
Attached garage
Yes
Parking features
Boat, Driveway, Basement

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, Frame
Roof
Metal
Foundation
Slab, Stilt/On Piling
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

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

Room Details

RoomLevelDimensions
Primary BedroomSecond16x11.67
Bedroom 2Second11.5x12
Living RoomSecond25.83x15.08
KitchenSecond16.42x12.33
Dining RoomSecond10.75x12.33
DenFirst

Listing Details

Listing date
2026-08-24
On market date
2026-08-25
Original list price
$1,199,000
Occupant type
Vacant
MLS area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Listing AOR
West Pasco
Status changed
2026-08-25
Tax legal description
INDIAN BAY COUNTRY HOMES UNREC BLK 1 LOTS 13 & 14 UNDIV INT IN ROAD R/W *See Realtor Remarks

Flood risk

High riskFEMA Zone AEPanel 12053C0283E

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

From U.S. Highway 19 (Commercial Way), travel west on Spring Hill Drive (CR-574 W). Continue as Spring Hill Drive becomes Osowaw Boulevard (CR-595 W). Turn left to remain on Osowaw Boulevard, then turn right onto Indian Bay Road. Bear slightly left onto Indian Gulf Lane and continue to 3198 Indian Gulf Lane.

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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 August 26, 2026 at 6:51 AM 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.

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