Front elevation4317 Biscayne Drive, Hernando Beach, FL 34607
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 24, 2026, 4317 Biscayne Drive in Gulf Coast Ret, Hernando Beach is listed at $485,000 (1,200 sq ft, about $404 per sq ft). That sits within a few percent of Gulf Coast Ret's median closed sale of $505,000 over the last 12 months (45 recorded sales). Per square foot it is above the community's recent $308/sq ft by about 31%. It came to market within the past week. Listing facts: built in 1966, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1966 · 60 yrs
- 1,200 sq ft of living area
- 1-car garage
- Listed at $485,000 — recent neighborhood median sale price ~$505,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA ~$50/mo (estimate; confirm)
Pricing & the gulf coast ret unit 6 market
How this home is priced against recent nearby sales, and where gulf coast ret unit 6 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 gulf coast ret unit 6
Each dot is a closed sale since 2005 (260 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, 2014–2026. This home lists at $404/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 47 (normal).
This home’s history
- 1966BuiltPer public record
- Sep 24, 2026First trackedObserved at $485,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,568/mo 78%
- Taxes $424/mo 13%
- Insurance $263/mo 8%
- HOA $50/mo 2%
$3,306/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget 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 doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
49/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $404 per square foot, about 31% above the community’s $308 median. gulf coast ret unit 6’s 12-month median sold price per square foot is $308. Median sold price per square foot is up 12.2% year over year. Confidence: Very High · 45 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.
56% of homes in gulf coast ret unit 6 are owner-occupied. An estimated 44% are non-owner-occupied, including 8% 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), 283 homes matched. Community-level context.
Recent gulf coast ret unit 6 sales closed near 93.8% 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 19 active listings in gulf coast ret unit 6, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to 4317 Biscayne Drive, a completely remodeled 1,680-square-foot, 3-bedroom, 3-bathroom property where true waterfront living meets flexibility, thoughtful upgrades and one of Hernando Beach’s most distinctive boating setups. Located on the Catalina Canal with direct access to the Gulf of Mexico, this west-facing block home offers the opportunity to enjoy boating, fishing, kayaking and unforgettable Florida sunsets right from your own backyard. The centerpiece of the property is its exceptionally rare, fully functioning enclosed boathouse—reported to be the only functioning boathouse of its kind remaining in Hernando Beach.
Designed to accommodate two pontoon boats, it features two boat lifts: one rated for up to approximately 5,000 pounds and a second rated for up to approximately 2,500 pounds. A Jet Ski floating dock is conveniently located inside the boathouse, while an additional floating dock provides even more space for launching, tying up or enjoying the waterfront. With the Gulf only a few canals away, you can leave home by boat and be on open water without the inconvenience of trailering and launching at a public ramp.
The outdoor space was created for enjoying the Florida lifestyle. The fully fenced yard includes low-maintenance vinyl fencing, a separate fenced side-yard area and enough space to accommodate a boat trailer or additional recreational equipment. A private entrance leads directly toward the boathouse and attached guest quarters, offering convenience and privacy.
Full-width pavers extend across the front of the property from property line to property line, creating an impressive amount of off-street parking for residents, guests, boats and trailers. Along the waterfront, a charming private beach-style area with a firepit creates the perfect setting for evenings beside the canal. A spacious approximately 10-by-20-foot gazebo provides a shaded location for outdoor dining, entertaining or relaxing after a day on the water.
An approximately 110-square-foot wooden storage shed supplies additional room for boating equipment, fishing gear, tools and outdoor necessities. Inside, the home has been cosmetically remodeled while preserving its classic Florida character, including terrazzo flooring throughout. The updated kitchen features newer appliances approximately two years old, soft-close cabinetry and drawers, a garbage disposal and a recently replaced under-sink water-filtration system.
Smart-home technology allows the living-room and kitchen lighting to be controlled through an app, adding everyday convenience. The separate mother-in-law suite or studio-style guest quarters expands the property’s possibilities. Complete with a private entrance and dedicated mini-split air-conditioning system, the space is ideal for extended-stay guests, a home office, hobby room or additional private living area.
Important improvements have already been addressed. The flat-roof was replaced in 2022 with an industrial-strength roofing system represented as having a 20-year service life. The main roof is represented as having approximately seven years of remaining useful life.
The home is equipped with storm-rated windows, upgraded electrical components and an exterior meter box brought up to current code. The electrical system has been inspected, with no aluminum or cloth-covered wiring reported. The plumbing has also been inspected, and the sewer lines have been professionally drained and serviced.
Description provided by PEOPLE'S TRUST REALTY and reproduced from the MLS; not independently verified.
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
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.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.
Actual list price: $485,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1966 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- 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:
- 20 active listings competing, 1 under contract
- ≈4.5 months of supply
- 50 closed here in the last 12 months
For reference, this home is listed at $485,000 ($404/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,200 sq ft × $271–$345/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 24, 2026.
Similar homes for sale near GULF COAST RET
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.
Newest listings in GULF COAST RET
- 3385 Gulfview Drive · $1,147,000 · 4 bd / 3.0 ba · listed September 12, 2026 (courtesy of HOME LAND REAL ESTATE INC)
- 4496 Bimini Drive · $385,000 · 2 bd / 1.0 ba · listed September 10, 2026 (courtesy of PEOPLE'S TRUST REALTY)
- 4035 Eagle Nest Drive · $529,900 · 3 bd / 2.0 ba · listed August 30, 2026 (courtesy of 54 REALTY LLC)
- 3200 Gulf Winds Circle · $1,400,000 · 3 bd / 2.5 ba · listed August 29, 2026 (courtesy of HILL POINT REALTY INC.)
- 4514 Neptune Drive · $599,000 · 3 bd / 2.0 ba · listed August 27, 2026 (courtesy of HILL POINT REALTY INC.)
Recently off market in GULF COAST RET
- 3420 Eagle Nest Drive · last listed $809,000 · 2026-09-20
- 4263 Tahiti Drive · last listed $555,000 · 2026-09-17
- 4508 Bahama Drive · last listed $750,000 · 2026-09-12
- 5100 Cedarbrook Lane · 2026-09-10
- 4178 Pine Dale Court · 2026-09-10
- 3605 Eagle Nest Drive · 2026-09-10
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 4317 BISCAYNE DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by PEOPLE'S TRUST REALTY · MLS # TB8551589
Request a showing
Recent sales activity in GULF COAST RET
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the GULF COAST RET neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on GULF COAST RET
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.
See schools in the GULF COAST RET guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $308/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 4317 Biscayne Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1966 (60 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.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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 1,200 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 $5,092/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 24, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 4317 Biscayne Drive and when was it built?
Per the listing record, 4317 Biscayne Drive was built in 1966 and has 1,200 sq ft of living area, 3 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 4317 Biscayne Drive in?
4317 Biscayne Drive is in Gulf Coast Ret in Hernando Beach, Hernando County. The community section on this page shows recent closed sales, days on market, and active inventory for Gulf Coast Ret from the same MLS data.
Does 4317 Biscayne 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 4317 Biscayne Drive differ from the current owner's?
The estimate on this page (about $5,092 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4317 Biscayne Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
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.
See 4317 BISCAYNE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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 a typical county millage rate to the list price 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.