Waterfront Homes for Sale in Hernando Beach, FL
This page tracks every Hernando Beach listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
51 waterfront homes are for sale or pending in Hernando Beach, FL today across 6 communities. The median asking price is $514,900, from $250,000 to $2,775,000. Listings in Hernando Beach without that feature have a median of $485,000. Most listings right now: Hernando Beach (30), Gulf Coast Ret (16), Indian Bay Country Homes Unrec (2). Updated November 7, 2026 from the MLS.
Live waterfront homes in Hernando Beach: the listings
46 active listings carry the flag today (79% of Hernando Beach inventory), median asking $562,450, $343/sq ft, median 90 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in Hernando Beach
The most expensive waterfront homes in Hernando Beach
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 3236 Gulf Winds Circle | $2,775,000 | 4,816 | hernando county |
| 4146 Diaz Court | $1,495,000 | 3,756 | hernando county |
| 3200 Gulf Winds Circle | $1,400,000 | 2,812 | hernando county |
| 4389 5Th Isle Drive | $1,250,000 | 2,720 | hernando county |
| 3194 Indian Gulf Lane | $1,249,000 | 1,906 | hernando county |
| 3397 Bluefish Drive | $1,200,000 | 3,548 | hernando county |
| 3198 Indian Gulf Lane | $1,199,000 | 1,344 | hernando county |
| 4295 Newport Drive | $1,175,000 | 2,799 | hernando county |
| 3385 Gulfview Drive | $1,079,000 | 2,909 | hernando county |
| 3178 Azalea Drive | $975,000 | 2,223 | hernando county |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 1 | 2% |
| $300K–$500K | 20 | 43% |
| $500K–$750K | 11 | 24% |
| $750K–$1M | 5 | 11% |
| $1M+ | 9 | 20% |
Hernando Beach waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Hernando Beach | 30 | 1 | $449,500 | $250,000 |
| Gulf Coast Ret | 16 | 0 | $619,950 | $390,000 |
| Indian Bay Country Homes Unrec | 2 | 0 | $1,224,000 | $1,199,000 |
| Gulf Coast | 1 | 0 | $2,775,000 | $2,775,000 |
| Gulf Coast Ret Unit 6 | 1 | 0 | $685,000 | $685,000 |
| Gulf Coast Ret Unit 1 | 1 | 0 | $499,000 | $499,000 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Hernando Beach?
What do waterfront homes cost in Hernando Beach?
Which Hernando Beach community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Hernando Beach, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.