3342 Turks Cap Drive, Hernando Beach, FL 34607
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 3342 Turks Cap Drive in Hernando Beach is listed at $599,000 (2,210 sq ft, about $271 per sq ft). That sits within a few percent of Hernando Beach's median closed sale of $542,500 over the last 12 months (52 recorded sales). Per square foot it is below the community's recent $325/sq ft by about 17%. It has been 19 days on market, well inside the community's typical 85 days. Listing facts: built in 1996, 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 1996 · 30 yrs
- 2,210 sq ft of living area
- 3-car garage
- Listed at $599,000 — recent neighborhood median sale price ~$542,500 (nearby sales; deemed reliable, not an appraisal)
- 19 days on market
- No HOA reported by the listing (confirm)
About this home
Under contract-accepting backup offers. GULF VIEWS with in-direct GULF ACCESS!! STUNNING, UPGRADED and MOVE-IN READY with AMAZING GULF VIEWS!!!
The one thing you can NOT add to your home is a VIEW of the Gulf... you have to have the LOCATION!! This one has the LOCATION!!
** 3-STORY Waterfront Home with UNOBSTRUCTED GULF VIEWS + 75 feet of water frontage + on the cul-de-sac with in-direct GULF ACCESS and NO HOA!!! Huge home with 2,210 sq ft of living space; 4,694 total!! The Lot to the left of the house with the carport and concrete slab is available separately for $125,000.
3 bedrooms + BONUS ROOM on the 3rd floor with GULF VIEWS can be a 4th bedroom, office/den, gym or guest space + 2.5 bathrooms + OPEN FLOOR PLAN with water views from EVERY window + 2-stories of LARGE balconies/lanais for EXTRA OUTDOOR LIVING SPACE + third floor front balcony with porch swing to enjoy your nightly sunsets together in the evenings with a glass of wine + 2-Car Garage (large deep enough to hold 2 cars plus a golf cart, large truck, or boat/trailer)! Plus, there is a lot of space downstairs in the home for entertaining family and friends (just add a pool table!). Reinforced Metal Roof to last a lifetime was just certified in 2022!!
NEW AC 2021!! NEW Anderson Windows with triple pane, hurricane impact glass installed in the home in 2013!! NEW Hot Water Heater 2021!!
New waterproof plank flooring!! House is fully wired for a generator + prewired for an RV hookup, future pool, or hot tub!! Large pantry and inside laundry room on main floor where all the bedrooms are at!!
Hidden safes. The home has an impressive 2-Story Grand Entrance with two story ceilings and windows that make this home feel VERY spacious, light, bright, and cheery!! Not every home has 2 story ceilings to give you that incredible sense of space!!
The master suite is also on the main floor for convenience + long driveway for extra parking and beautiful curb appeal + the yard is completely fenced-in + room to add a pool + concrete seawall + LARGE concrete patio space by the clear water's edge which is large and deep enough to have an outdoor sectional, loungers, and outdoor dining set (most of the homes don't have this!!) + Palm Trees and Lush Landscaping!! STUNNING long distance views that you don't get from single level homes or even two-story homes... and VIEWS OF THE GULF OF AMERICA!
PLUS... you have a TREMENDOUS amount of outdoor living space with the 2 extra LARGE balconies/lanai areas!! The main level balcony is COVERED and screened-in and large enough to enjoy the space outside!!
The kitchen is OPEN to the large great room and the dining room!! The main living floor... offers all BRAND NEW Luxury Vinyl Plank Flooring throughout!!
The kitchen is remodeled with Quartz countertops + a large breakfast bar for extra seating!! Newer stainless steel appliances!! Beautiful dining room!
The second bathroom is remodeled with matching Quartz countertops. The main balcony is screened-in... so enjoy that beautiful Florida weather and breeze!!
Windows everywhere to let in the natural light! The bottom level is a blank canvas to create your favorite space... a gym, an entertainment game room, a workshop, an incredible storage area!!
It's complete with a 1/2 bath for home-owner convenience! Enjoy fishing, kayaking, paddle boarding, and boating right from your backyard and floating dock!! Easily go through the boat lift to get out to the Gulf of America!!
Hernando Beach is a golf-cart friendly community with so much to offer!!
All 62 photos
Description provided by HOME LAND REAL ESTATE INC and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,198/mo 74%
- Taxes $852/mo 20%
- Insurance $283/mo 7%
$4,333/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the HERNANDO BEACH market
How this home is priced against recent nearby sales, and where HERNANDO BEACH 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 BEACH
Each dot is a closed sale since 2008 (304 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, 2013–2026. This home lists at $271/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 48 (normal).
This home’s history
- 1996BuiltPer public record
- Aug 30, 2026First seen on movewithmomentum.comObserved at $599,000
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in HERNANDO BEACH 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.
Median of these 6 sales: $542,500 ($325/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales in HERNANDO BEACH, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $599,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 42% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 19 days on market vs. a 86-day community median
- 33 active listings competing, 7 under contract
- ≈6.1 months of supply
- 12 closed here in the last 12 months
For reference, this home is listed at $599,000 ($271/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,210 sq ft × $337–$478/sq ft (interquartile band of 6 comparable closed sales in HERNANDO BEACH, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
53/100 is below average 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.
Coverage: 8 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.
The Momentum read
🟡 Balanced conditions around this listing. 6.1 months of supply in the surrounding market and 19 days on market for this home, against a 86-day area median.Days on market:this home 19Area median: 86 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2008 through 2026. As of August 2, 2026.
🟡 Asking $271 per square foot, about 17% below the community’s $325 median. HERNANDO BEACH’s 12-month median sold price per square foot is $325. Median sold price per square foot is up 0.0% year over year. Confidence: Very High · 52 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.
37% of homes in HERNANDO BEACH are owner-occupied. An estimated 63% are non-owner-occupied, including 8% held in a company or trust and 98% 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), 870 homes matched. Community-level context.
Recent HERNANDO BEACH sales closed near 93.0% of original asking. Cash paid for about 36% of recent closings here.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 August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 29 active listings in HERNANDO BEACH, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by HOME LAND REAL ESTATE INC · MLS # W7888931
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More on HERNANDO BEACH
Go deeper on HERNANDO BEACH
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 3342 Turks Cap Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1996 (30 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 2,210 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 $10,225/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,125 more per year than the current owner’s estimated bill (+100%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Stellar MLS closed sales in HERNANDO BEACH, last 18 months, as of August 2, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | 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.
Frequently asked questions
How big is 3342 Turks Cap Drive and when was it built?
Per the listing record, 3342 Turks Cap Drive was built in 1996 and has 2,210 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3342 Turks Cap Drive in?
3342 Turks Cap Drive is in Hernando Beach, Hernando County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3342 Turks Cap Drive 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 3342 Turks Cap Drive differ from the current owner's?
The estimate on this page (about $10,225 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $5,125 more per year than the current owner’s estimated bill (+100%). 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 3342 Turks Cap Drive 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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.