Hernando Beach Homes under $400,000

Hernando Beach Homes under $400,000

Welcome to Hernando Beach, a hidden gem nestled in the charming city of Spring Hill, Florida. Known for its stunning waterfront views and laid-back lifestyle, Hernando Beach offers a unique blend of coastal living and suburban comfort. This picturesque subdivision is perfect for those seeking a serene escape from the hustle and bustle of city life, all while being just a short drive away from the vibrant attractions of the Sunshine State.

Here, you’ll find a variety of homes under $400,000, making it an ideal destination for first-time buyers, retirees, or anyone looking to invest in a slice of paradise without breaking the bank. These properties range from cozy single-family homes to spacious waterfront retreats, each offering its own charm and character. Imagine waking up to the gentle sound of waves and enjoying breathtaking sunsets from your backyard—this is the dream that Hernando Beach can offer.

The community is not just about beautiful homes; it’s also about a lifestyle. Residents can enjoy fishing, boating, and kayaking right at their doorstep, with easy access to the Gulf of Mexico. The nearby nature parks and trails provide endless opportunities for outdoor adventures, while local shops and restaurants add a touch of convenience.

Whether you're looking for a vacation home, a permanent residence, or an investment property, Hernando Beach has something for everyone. Embrace the coastal lifestyle and explore the affordable housing options in this beautiful community—your dream home awaits!

Newest Hernando Beach Homes under $400,000

3425 Crape Myrtle Drive, Hernando Beach
$370,000
3 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Waterfront Coastal Retreat with Income Potential in Hernando Beach! Welcome to this versatile 2-story coastal home situated right on an Intracoastal canal in desirable Hernando Beach! Offering breathtaking western exposures, this property delivers front-row seats to spectacular Florida sunsets over the water every single evening. Whether you are looking for a primary residence with an income-generating rental unit, a multi-generational living setup, or a dual-purpose vacation home, this property’s flexible layout offers endless possibilities. Upstairs Main Residence (2 Bed / 1 Bath) Spacious Living: A bright and airy 2-bedroom, 1-bathroom layout with comfortable living spaces. Wrap-Around Deck: Step outside onto your expansive wrap-around deck overlooking the water—the ultimate spot for morning coffee, outdoor dining, and evening sunset watching. Part of the deck is covered and enclosed and part is open so you can take in the air and sights however you prefer. Enjoy complete privacy with its own dedicated staircase and entrance. Downstairs Studio Suite (Studio / 1 Bath) A private studio apartment featuring a full bathroom and a convenient kitchenette. Walk straight out to a ground-level patio right along the canal, perfect for waterfront lounging and entertaining. Independent access makes this space ideal for long-term tenants, short-term rentals, or visiting guests. Convenient laundry area located in the hallway off the garage bay, accessible from both units. Located in Hernando Beach with direct water access, close to local restaurants, marinas, and Gulf waters. Don't miss this rare waterfront gem with dual living spaces and unbeatable sunset views! Upstairs is currently leased with lease in place until the end of August 2027. Community has a boat lift for use.

3425 Crape Myrtle Drive, Hernando Beach
3316 Holly Springs Drive, Hernando Beach
$370,000
3 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Waterfront living awaits! This 3-bedroom, 2-bathroom home offers 1,665 square feet of living space on a scenic canal. The split-bedroom floor plan features a spacious living area, functional kitchen, and a private primary suite. A standout feature is the 1,665-square-foot garage, providing ample room for vehicles, boats, storage, or a workshop. Enjoy peaceful canal views right from your backyard. Conveniently located near shopping, dining, and major roadways, this home is a great opportunity to enjoy the Florida waterfront lifestyle.

3316 Holly Springs Drive, Hernando Beach
3385 Holly Springs Drive, Hernando Beach
$365,900
3 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Waterfront Living Meets Investment Opportunity! Welcome to 3385 Holly Springs Dr., Hernando Beach, FL, a beautifully remodeled 3-bedroom, 2-bathroom waterfront home offering the perfect combination of coastal living and income potential. Whether you're searching for a full-time residence, a weekend getaway, or an investment property, this home checks every box. Previously operated as a successful short-term rental, this property is ready for its next owner. The furnishings are available for purchase separately, making it easy to continue its use as a vacation rental if desired. Designed to capture Florida's natural beauty, the home features an east-facing front entrance and a west-facing backyard, where you'll enjoy breathtaking sunsets over the water from your large entertainment deck and private dock. Inside, you'll find quality finishes throughout, including new flooring, solid wood cabinetry, quartz countertops, stainless steel appliances, crown molding, beautifully updated bathrooms, and an inside laundry room with washer and dryer included. Every detail has been thoughtfully updated, creating a move-in-ready home that combines modern style with everyday comfort. Step outside to your spacious deck, perfect for entertaining family and friends, outdoor dining, or simply relaxing while taking in the waterfront views. The new private dock provides indirect access to the Gulf, allowing you to enjoy boating, fishing, kayaking, paddleboarding, and all that Florida's Nature Coast has to offer. Whether you're looking for a primary residence, vacation retreat, or an income-producing waterfront property, this exceptional home offers endless possibilities. Don't miss your opportunity to own this beautifully updated waterfront retreat in Hernando Beach.

3385 Holly Springs Drive, Hernando Beach
3345 Poinsettia Drive, Hernando Beach
$375,000
2 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Coastal Living Meets Comfortable Waterfront Living in Hernando Beach! Welcome to this beautifully designed 2-bedroom, 2-bathroom waterfront home where the open floor plan is centered around a stunning cook's kitchen—the true heart of the home. Whether you're preparing dinner for family or entertaining friends, you'll appreciate the quartz countertops, oversized center island, stainless steel appliances, white shaker cabinetry, and an abundance of storage. The split-bedroom layout provides privacy for owners and guests, while luxury vinyl plank and ceramic tile flooring throughout make for easy coastal living. Step through the rear of the home to the large screened porch overlooking the peaceful freshwater canal, the perfect place to enjoy your morning coffee, evening sunsets, or watch Florida's native wildlife. The fenced backyard offers additional privacy and space for pets or outdoor entertaining. Outside, you'll find 62 feet of concrete seawall and a floating dock on a spring-fed freshwater canal with indirect Gulf access. From your backyard you can launch your boat, kayak, or paddleboard and enjoy the waterfront lifestyle. Boaters can reach the Gulf of Mexico by using the community boat lift to cross into the saltwater canal system before passing under a fixed bridge, making this an excellent location for owners of smaller boats looking for affordable waterfront living. Located in the desirable Hernando Beach Middle Section, this home offers all the advantages of waterfront ownership with no HOA. Short-term rentals are permitted, and owners have the freedom to keep boats, trailers, RVs, and commercial vehicles on their property while also being able to install up to 8-foot privacy fences. Hernando Beach is one of Florida's hidden coastal treasures, where life revolves around boating, fishing, and enjoying the natural beauty of the Gulf Coast. Surrounded by protected coastal marshes and the Gulf of Mexico, the community features waterfront restaurants, tiki bars, marinas, seafood markets, and a relaxed Old Florida atmosphere. Outdoor enthusiasts will love the incredible fishing opportunities for redfish, snook, trout, tarpon, grouper, and kingfish, while nearby offshore waters offer easy access to world-class fishing. The crystal-clear Weeki Wachee River is only minutes away for kayaking, paddleboarding, swimming, and enjoying its constant 74-degree spring-fed waters. Popular boating destinations such as the Hernando Beach Flats, Homosassa, Crystal River, and Anclote Key are all within easy reach by boat. Although it feels like a secluded waterfront retreat, Hernando Beach is only about 10 minutes from US-19, offering convenient access to shopping, restaurants, Publix, Walmart, Sam's Club, medical facilities, and everyday conveniences. Tampa International Airport is approximately one hour away, with Orlando's attractions less than 90 minutes away. Whether you're searching for a full-time residence, weekend getaway, vacation rental, or affordable waterfront retreat, this home offers the opportunity to embrace the Gulf Coast lifestyle in one of Florida's most unique boating communities. Come discover why so many people choose to call Hernando Beach home.

3345 Poinsettia Drive, Hernando Beach
3347 Oleander Drive, Hernando Beach
$379,900
2 Beds ⋅ 3 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
CHARMING HERNANDO BEACH WATERFRONT HOME WITH GORGEOUS WESTERN SUNSETS, 73 FEET OF WATERFRONT, GULF ACCESS & ROOM FOR A POOL! If you've been dreaming of the Florida waterfront lifestyle, this home has so much to offer! Situated on a spacious 7,300 Sq. Ft. lot with desirable western rear exposure, you'll enjoy beautiful sunsets, a private waterfront dock, Gulf access through the nearby community boat lift & plenty of room to create your own backyard oasis! This home has CHARACTER & CHARM, with an inviting Open Floor Plan, Vinyl Flooring, Crown Molding & a beautiful Bay Window in the Living Room. The REMODELED COASTAL KITCHEN features Gorgeous Quartz Countertops, Two-Tone Cabinetry, Breakfast Bar, Built-in Pantry, Undermount Sink & a window overlooking the water. A Wood-Plank Ceiling & Built-in Hutch add warmth & personality! The Primary Bedroom features a Plank Accent Wall, Grasscloth Wallpaper, Walk-in Closet, Additional Large Closet & an Updated Private Bathroom with a Beautifully Tiled Walk-in Shower & Built-in Shelves. Bedroom 2 also offers a Walk-in Closet & direct access to the Guest Bathroom. One of the best places to relax is the ENCLOSED UPPER FLORIDA ROOM, where you can enjoy morning coffee or unwind while watching GORGEOUS WESTERN SUNSETS over the water! The Lower Level offers an additional 33' x 12' Florida Room, providing wonderful flexibility for entertaining, hobbies, a game room, home office or additional gathering space. The Washer, Dryer & Water Heater are conveniently located on this level. The 2-Car Garage provides Workshop Space & plenty of room for tools, kayaks, fishing equipment & waterfront toys! Plus a One Car Carport for additional parking. Outside, enjoy Pavered Front & Rear Areas, Mature Palm Trees, a White Vinyl-Fenced Backyard, Waterfront Dock with Swimming Ladder & ROOM FOR A FUTURE POOL! This home also offers AFFORDABLE WATERFRONT OWNERSHIP, with the Seller reporting her highest monthly electric bill was just 170! Insurance quotes for a PRIMARY RESIDENCE include Homeowners & Wind at approximately 2,936 annually & Private Flood Insurance at approximately 1,135.05 annually. Updates include 2019 HVAC, 2020 Water Heater, 2020 Appliances, Vinyl Flooring, Remodeled Kitchen, Updated Bathrooms & Flat Roof Sealed in 2024. Prior 4-Point & Wind Mitigation Inspections have been completed, with reports available for review. A COMPLETE TURNKEY FURNISHED PACKAGE IS ALSO AVAILABLE, making this an appealing option for buyers looking for a convenient Florida getaway! Enjoy boating, fishing, kayaking, scalloping, waterfront restaurants, wildlife & golf cart rides throughout this relaxed coastal community. Whether you're looking for a full-time residence, seasonal escape or weekend retreat, this home offers WATERFRONT LIVING, BEAUTIFUL SUNSETS & THE CHARM THAT MAKES A HOUSE FEEL LIKE HOME! Primary Residence Insurance quotes are available for review.

3347 Oleander Drive, Hernando Beach
3435 Gulf Coast Drive, Hernando Beach
$399,900
2 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Waterfront living at its finest! This beautifully renovated 2-bedroom, 2-bath home in Hernando Beach offers direct Gulf access with 62 feet of saltwater canal frontage and no bridges—a true boater’s dream. Step inside to discover a completely updated interior featuring a brand-new roof, fresh interior and exterior paint, and stylish tile flooring throughout. The stunning open kitchen showcases white shaker cabinetry, granite countertops, stainless steel appliances, and a breakfast bar that flows seamlessly into the dining and living areas—perfect for entertaining. Both bathrooms have been fully remodeled with modern vanities and new shower/tub features. Additional upgrades include a new hot water heater and garage door, providing peace of mind for years to come. Enjoy relaxing water views from the Florida room or unwind on the screened rear porch overlooking the canal. Whether you're sipping your morning coffee or hosting guests, this home is designed to embrace the coastal lifestyle. Located in a golf-cart-friendly community, Hernando Beach offers a laid-back atmosphere with nearby boat ramps, parks, nature preserves, and waterfront dining with live music. You're just minutes from Pine Island Beach and within easy reach of Tampa International Airport, Clearwater, and St. Petersburg for shopping, dining, and entertainment. Don’t miss your chance to own this turnkey waterfront retreat—schedule your showing today! All information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is.”

3435 Gulf Coast Drive, Hernando Beach
3408 Crape Myrtle Drive, Hernando Beach
$295,000
3 Beds ⋅ 2 Baths ⋅ Hernando Beach SubDv. ⋅ 34607 Zip Code
Welcome to your coastal retreat in beautiful Hernando Beach. This fully updated three-bedroom, two-bathroom home offers the perfect balance of modern comfort and waterfront living. Inside, you'll find a spacious open layout filled with natural light and freshly painted walls that create a bright, welcoming atmosphere. The kitchen is equipped with brand-new appliances, ready for your everyday meals or entertaining guests, while the updated bathroom vanity adds a touch of contemporary style. Recent improvements include redone electrical outlets throughout the home and a new hot water heater, ensuring both convenience and peace of mind. The current flood insurance policy is transferable, offering added value and potential savings for the future owner. Step outside and you're greeted with your own private dock, the ideal spot for boating, fishing, or simply relaxing as you take in the Florida sunshine. The outdoor space invites you to unwind or entertain, offering a true extension of the home's charm. Nestled in the quiet, desirable community of Hernando Beach, you're just minutes away from local shops, dining, waterfront restaurants, marinas, and endless Gulf Coast recreation. Whether you're searching for a forever home, a vacation getaway, or an investment opportunity, this property is move-in ready and waiting to welcome you. Seller may consider Bitcoin (BTC), Ethereum (ETH), or USDC, subject to conversion to U.S. Dollars at closing and standard Florida title and escrow requirements.

3408 Crape Myrtle Drive, Hernando Beach
Start Your Search

How much is your home worth?

Get instant property value now!