Experience the HERNANDO BEACH WATERFRONT LIFESTYLE in this DIRECT GULF ACCESS home situated on an OVERSIZED CUL-DE-SAC LOT with approximately 120 FEET OF CONCRETE SEAWALL and a FLOATING DOCK. Located just off the MAIN HERNANDO BEACH CHANNEL, this waterfront property offers easy access to the Gulf for boating, fishing, kayaking, paddleboarding, scalloping and sunset cruises. The second level offers 1,389 SF OF LIVING AREA with a desirable SPLIT-BEDROOM FLOOR PLAN featuring 2 bedrooms, 2 bathrooms and an expansive 376 SF SCREENED WATERFRONT PORCH. The ground level includes a 2-CAR GARAGE plus approximately 604 SF OF AIR-CONDITIONED FLEX SPACE currently utilized as a bedroom and game/entertainment room, providing additional space for a home office, gym, hobby room, recreation area or storage. A covered entry welcomes you into a soaring foyer and bright, open main living area featuring VAULTED CEILINGS, wood-look laminate flooring and an abundance of natural light. Four-panel POCKET SLIDING GLASS DOORS open the living area to the SCREENED UPPER-LEVEL PORCH, creating seamless indoor/outdoor living with beautiful WATER VIEWS. The family and dining areas flow into the beautifully UPDATED KITCHEN (2022), featuring QUARTZ COUNTERTOPS, custom blue cabinetry with accent glass doors, QUARTZ BACKSPLASH, under-cabinet lighting, STAINLESS STEEL APPLIANCES and porcelain wood-look tile flooring. A charming breakfast nook surrounded by BAY WINDOWS features custom lighting and plant shelves, while a pantry closet provides additional storage. The spacious PRIMARY SUITE features a vaulted ceiling, WALK-IN CLOSET and French doors with built-in blinds opening directly to the screened waterfront porch. The primary bathroom offers a FLOOR-TO-CEILING TILED WALK-IN SHOWER, jetted garden/Jacuzzi tub and granite-topped vanity. The second bedroom also enjoys a WATER VIEW, while the guest bathroom features a Corian countertop vanity and custom FLOOR-TO-CEILING TILED SHOWER. For added convenience, the LAUNDRY ROOM IS LOCATED ON THE UPPER LEVEL. Step outside to enjoy the FLORIDA WATERFRONT LIFESTYLE with a spacious backyard, covered and screened outdoor living areas, approximately 120 FEET OF CONCRETE SEAWALL and a FLOATING DOCK. With the MAIN HERNANDO BEACH CHANNEL just moments away, you can be on your boat and headed toward the Gulf in no time. Additional features include a 2-CAR GARAGE, 30-AMP RV PLUG in the garage, newer front storm doors and a WATER SOFTENER SYSTEM installed in 2019. CURRENT TRANSFERABLE FLOOD INSURANCE IS APPROXIMATELY 1,486 dollars PER YEAR, representing 4,771 dollars IN ANNUAL SAVINGS compared with the quoted cost of a new FEMA flood policy. The home also benefits from multiple WIND MITIGATION DISCOUNTS, with the seller's homeowners insurance premium reported at LESS THAN 3,000 dollars PER YEAR. Located in the vibrant Hernando Beach Waterfront Community surrounded entirely by the Weeki Wachee Preserve and the GULF, residents enjoy hiking, boating, kayaking, paddleboarding, and fishing. Just minutes from Weeki Wachee Springs State Park, plus nearby shopping, dining, and medical facilities. The area is GOLF CART FRIENDLY, allows SHORT-TERM RENTALS, and has NO HOA, CDD or DEED RESTRICTIONS, making it ideal for full-time living, a vacation home, or a high-performing investment property. With convenient access to the Suncoast Parkway, commuting to Tampa, Brooksville, and surrounding areas is easy.