Single Family Residence in HERNANDO BEACH · No CDD on record
Hernando Beach, FL 34607 · Hernando County
Listing data updated October 18, 2026 at 8:12 AM ET · checked against the MLS hourly
Listed by BRIDGE POINT BUSINESS REAL EST (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
3Bathrooms
1,344Sq Ft
1984Year Built
$892Per Sq Ft
Waterfront1-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
597% above
$/sq ft vs community
$892 here vs $128 median sold (12 mo)
Buyer leverage
Seller-leaning
37 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$6k–$12k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 3198 Indian Gulf Lane in Hernando Beach is listed at $1,199,000 (1,344 sq ft, about $892 per sq ft). That is 562% above Hernando Beach's median closed sale of $181,250 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $128/sq ft by about 597%. It has been 37 days on market, well inside the community's typical 76 days. Listing facts: built in 1984, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1984 · 42 yrs
1,344 sq ft of living area
1-car garage
Listed at $1,199,000 — recent neighborhood median sale price ~$181,250 (nearby sales; deemed reliable, not an appraisal)
37 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Open water views, a private boat lift and an expansive upper balcony highlight this extensively renovated coastal residence at 3198 Indian Gulf Lane in Aripeka, within the greater Hernando Beach market area. Adjoining Lot 13 is included in the offering and 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 inviting 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.
Description provided by BRIDGE POINT BUSINESS REAL EST and reproduced from the MLS; not independently verified.
Listing courtesy of BRIDGE POINT BUSINESS REAL EST · Listing agent: Anthony Kanaris PLLC · 352-515-0226Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,199,000
Bed / bath2 / 3
Living area1,344 sq ft
Year built1984
Property typeSingle Family Residence
Garage1-car
MLS #W7888807
Listing status37 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
CountyHernando
Area listings236 active · 68 under contract
Estimated first-year tax~$21,425/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$892
Estimated monthly payment$9,077
Insurance (illustrative)$6k–$12k/yr
Messtimate range$192,192 – $379,008
Comparable-sales median$181,250
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$9,077/mo
Principal & interest $6,641/mo73%
Taxes $1,785/mo20%
Insurance $650/mo7%
$9,077/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Hernando County rate (18.64 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $14,050/yr ($1,171/mo) — taxable value $754,544 × 18.64 mills
$7,375 more each year
(+52%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$754,544
Market value
$754,544
Assessed
$754,544
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3198 Indian Gulf Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $14,050/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,199,000 and the first-year bill resets to about $21,425/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 18.64 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Hernando County is $1,699/yr (4,534 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $5,500–$11,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1984. An original roof would be about 42 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $1,927/month (tax $1,785, insurance $142). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$6k–$12k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~5 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Hernando County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Hernando County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively High
LightningRelatively High
Strong windRelatively Moderate
DroughtVery Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Hernando County
Pricing & the Hernando County market
How this home is priced against recent nearby sales, and where Hernando County has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Hernando County
Each dot is a closed sale since 2012 (40 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2017–2026. This home lists at $892/sq ft.
Median sale price by year
12-month median closed price, 2017–2026.
Property timeline
This home’s history
1984BuiltPer public record
Aug 27, 2026First seen on movewithmomentum.comObserved at $1,199,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $1,199,000Momentum Realty · on market 37 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$505,000
4263 TAHITI DRIVE, HERNANDO BEACH
2 / 2 bd/ba · 1,350 sq ft · $374/sq ft
Courtesy of KELLER WILLIAMS TAMPA PROP. · View details →
Sold Mar 2026
$265,000
18527 WAYDALE LOOP, HUDSON
3 / 2 bd/ba · 1,360 sq ft · $195/sq ft
Courtesy of REALTY ONE GROUP BEYOND · View details →
Sold Sep 2026
$289,900
2224 MERION COURT, SPRING HILL
2 / 2 bd/ba · 1,312 sq ft · $221/sq ft
Courtesy of TROPIC SHORES REALTY LLC · View details →
Sold Aug 2026
$365,000
3185 ROSE ARBOR DRIVE, HERNANDO BEACH
2 / 2 bd/ba · 1,296 sq ft · $282/sq ft
Courtesy of JT REALTY & ASSOCIATES · View details →
Sold Oct 2026
$200,000
4504 JACONA DRIVE, HERNANDO BEACH
2 / 2 bd/ba · 1,400 sq ft · $143/sq ft
Courtesy of CIGAR CITY REALTY LLC · View details →
Sold Jul 2026
$83,000
18730 ROSEMARY ROAD, HUDSON
3 / 2 bd/ba · 1,252 sq ft · $66/sq ft
Courtesy of SIRROM REALTY LLC · View details →
Median of these 6 sales: $181,250 ($128/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$501,500the mess$752,200
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the Hernando County 2025 tax roll just value ($754,544) × the local sale-to-roll ratio of 11 nearby sales.
Track record: across 2,977 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-18.
Actual list price: $1,199,000 ($892/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a 1984 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: 37 days on market vs. a 76-day community median
321 active listings competing, 81 under contract
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (11 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 18, 2026.
Momentum Scores
Momentum Property Score
33/100
Strongest on: Pricing power (91), Flood safety (45)
0 limited50100 exceptional
33/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $892/sq ft vs the community 12-month median $128/sq ft.
Affordability0
List price $1,199,000 vs the community median $181,250. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost23
From FEMA Zone AE and a 1984 build. Obtain a property-specific quote.
Market liquidity39
Community median 76 days on market (12-month record).
Pricing power91
Recent sales closed at about 89.8% of original asking (~10.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $892 per square foot, about 597% above the community’s $128 median. Hernando County’s 12-month median sold price per square foot is $128. Median sold price per square foot is up 2.0% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
61% of homes in Hernando County are owner-occupied. An estimated 39% are non-owner-occupied, including 9% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 717 homes matched. Community-level context.
Recent Hernando County sales closed near 89.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 236 active listings in Hernando County, no CDD assessment.
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BRIDGE POINT BUSINESS REAL EST · MLS # W7888807
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Keep looking
Similar homes for sale near HERNANDO BEACH
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Brooksville-Tampa Bay Regional Airport receives $13.6 million federal grant
The Brooksville-Tampa Bay Regional Airport received a $13.6 million federal grant from the U.S. Economic Development Administration for roads, drainage, utilities, electrical service, and converting an unused 5,000-foot runway into a modern taxiway. The work will prepare about 600 acres of airport land for aviation and aerospace company development.
Why it matters: Airport infrastructure funding readies roughly 600 acres for aviation and aerospace facilities, strengthening the area industrial and employment base. The project is about 6 miles south of Zz Stellar Hernando Unassigned, elsewhere in Hernando County.
Board approves height allowance increase at One Hernando Center
The Hernando County Commission unanimously approved raising the maximum building height from 60 feet to 85 feet for One Hernando Center, a 146-acre industrial distribution development east of Kettering Road in Brooksville. The added height accommodates automated storage and retrieval systems for uses such as cold storage and manufacturing.
Why it matters: A 146-acre industrial distribution park advances with taller warehouse capacity, adding to the area logistics and manufacturing footprint. The site is less than a mile southeast of Zz Stellar Hernando Unassigned.
The Hernando County Board voted 4-0 on June 23 to approve two prototype fire station designs, a 3-bay and a 4-bay configuration, by KMF Architects at a Phase 1 design cost of about $296,902. The reusable prototypes are intended to speed and standardize future fire station construction countywide.
Why it matters: Standardized fire station prototypes aim to expedite future public safety facility construction across the county, supporting emergency service infrastructure as growth continues. The site is about 5 miles southeast of Zz Stellar Hernando Unassigned.
Hernando School Board signs off on two large housing developments
On June 9 the Hernando County School Board approved school concurrency for two subdivisions between I-75 and Lockhart Road: Black Jack Ridge with up to 978 houses and Ginny Grove with up to 907 units. The board determined area schools have sufficient capacity to accommodate the new developments.
Why it matters: Two large residential subdivisions totaling roughly 1,885 homes are cleared to advance in the I-75 corridor, expanding the local housing supply pipeline. The project is about 8 miles southeast of Zz Stellar Hernando Unassigned, elsewhere in Hernando County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Hernando County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Hernando County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3198 Indian Gulf Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Hernando County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,344 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $21,425/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,375 more per year than the current owner’s estimated bill (+52%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 18, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3198 Indian Gulf Lane and when was it built?
Per the listing record, 3198 Indian Gulf Lane was built in 1984 and has 1,344 sq ft of living area, 2 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3198 Indian Gulf Lane in?
3198 Indian Gulf Lane is in Hernando Beach, Hernando County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3198 Indian Gulf Lane have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3198 Indian Gulf Lane differ from the current owner's?
The estimate on this page (about $21,425 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,375 more per year than the current owner’s estimated bill (+52%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3198 Indian Gulf Lane in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
