Shawn Headley
$1,200,0003 bd3 ba2,799 sqft$429 /sqft$7,737 /mo all-in ↓

4295 NEWPORT DRIVE, HERNANDO BEACH, FL, 34607

Active3 days on marketListed Aug 6, 2026MLS #TB8532427

WaterfrontPrivate poolSingle Family ResidenceGULF COAST RET

About this home

4295 NEWPORT DRIVE

DIRECT GULF ACCESS COASTAL LUXURY WITH WESTERLY SUNSET VIEWS—THIS HOME HAS EVERYTHING! THERE IS NOTHING MORE YOU COULD ASK FOR! Experience the ultimate Florida waterfront lifestyle in this spectacular DIRECT GULF ACCESS custom-built coastal residence perfectly positioned on an OVERSIZED 12,205 SQ. FT. CUL-DE-SAC LOT with approximately 193 FEET OF WATERFRONT with new seawall cap installed in 2025. Designed to capture breathtaking WESTERLY SUNSET VIEWS, this exceptional 3 BEDROOM, 3 BATH, 3-CAR GARAGE home offers 2,799 SQ. FT. OF LIVING SPACE, an ELEVATOR, a HEATED POOL & SPA, and an expansive 1,157 SQ. FT. UPPER SCREEN IN PORCH overlooking the wide canal and unforgettable sunsets. A grand paver driveway leads to a striking double staircase and decorative GLASS FRONT ENTRY DOOR WITH SIDELIGHTS. Inside, the open-concept floor plan features soaring 12-FOOT CEILINGS, oversized bay windows, abundant natural light, and tall triple sliding glass doors that seamlessly connect the living areas with the outdoor entertaining space. The gourmet kitchen is designed for entertaining and everyday living with REAL WOOD CABINETRY, ENGINEERED QUARTZ COUNTERTOPS, a large center island with breakfast bar, double wall ovens, built-in microwave, cooktop, STAINLESS STEEL APPLIANCES, beverage cooler, built-in coffee bar, wine bar, pantry cabinetry, and a breakfast nook overlooking the water. The spacious primary suite opens directly to the upper waterfront porch through tall sliding glass doors, creating the perfect place to enjoy morning coffee or spectacular sunsets. The luxurious en-suite bath features dual vanities, a custom walk-in shower with glass enclosure, soaking tub, and generous storage. Two additional oversized guest bedrooms share a beautifully appointed bathroom. Step outside to your private tropical oasis featuring a HEATED SCREENED POOL & SPA with fountain, covered entertaining areas, and paver decking.The second level screened enclosure spans the entire back of the home, seamlessly enclosing both the lower pool area and the expansive second-story waterfront porch to create a truly one-of-a-kind outdoor living space. Boaters will appreciate the stationary dock, floating dock, approximately 7,500-LB BOAT LIFT, electric and water at the dock, fish cleaning station, TREX DECKING, and updated seawall cap, providing quick DIRECT GULF ACCESS for boating, fishing, scalloping, kayaking, paddleboarding, and sunset cruises. Additional features include LUXURY VINYL FLOORING, TILE ROOF, PLANTATION SHUTTERS, ELEVATOR, oversized laundry room with built-in cabinetry and utility sink, downstairs full bath, two storage rooms, irrigation system, tropical landscaping, and TRANSFERABLE FLOOD INSURANCE FOR JUST $1,829 PER YEAR—AN ESTIMATED ANNUAL SAVINGS OF APPROXIMATELY $5,500 FOR THE NEW OWNER. Located in the highly desirable waterfront community of HERNANDO BEACH, you'll enjoy NO HOA, NO CDD FEES, GOLF CART FRIENDLY STREETS, and SHORT-TERM RENTALS ARE ALLOWED in much of the community, making this an outstanding primary residence, vacation home, or investment property. Conveniently located near Weeki Wachee Springs, waterfront restaurants, marinas, shopping, medical facilities, and the Suncoast Parkway for an easy commute to Tampa, Brooksville, and surrounding areas. LIVE EVERY DAY LIKE YOU'RE ON VACATION while enjoying some of Florida's finest boating, fishing, and unforgettable Gulf Coast sunsets right from your own backyard.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,799

Sqft

0.28 ac

Lot size

3

Garage

1994

Year built

Two

Levels

$429

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Dry Bar · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationStilt/On Piling
ViewPool · Water
FacesSoutheast
ParkingBoat · Garage Door Opener · Garage Faces Side · Oversized · Parking Pad · RV Parking · Workshop in Garage
ExteriorSliding Doors · Storage

Community & fees

Taxes (2025)$7,819/yr
PetsYes
CommunityCanal Front · Marina · Public Boat Ramp · Water Access · Waterfront · Golf Carts OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,737 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$652
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$7,737/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$652
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.2M
$803KedgeAI estimate $994,833 · range $836K$1.3M$1.3M

vs edgeAI estimate

+20.6%

$/sqft vs GULF COAST RET

$429 vs $360

Days on market

3 vs 47 typical

Where $429/sqft sits among the 15 homes for sale in GULF COAST RET

1
4
5
1 · this home
3
1
$224–287$287–351$351–414$414–478$478–541$541+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Hernando Beach

Map of 4295 NEWPORT DRIVE

Get to know Hernando Beach. See the full Hernando Beach guide →

HERNANDO BEACH 34607 — neighborhood snapshot

Population

9,046

Median age

55.7

Median income

$61,221

Median home value

$343,100

Avg household

2.3

Households w/ children

740

For the school run

Hernando County School District

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle School★★★★
HighWeeki Wachee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando Beach market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$453K$500K

Hernando Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

9 of 15

GULF COAST RET have cut their price

Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 264% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

Aug 6, 2026Listed at $1,200,000 · 3 days on market since
1994Built · GULF COAST RET

Reality check

What actually sold near 4295 NEWPORT DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3175 FLAMINGO BOULEVARDSold · Mar ’26

$800,000

3175 FLAMINGO BOULEVARD · same community

3 bd · 3 ba · 2,932 sqft · $273/sqft · 0 DOM

3280 GULF WINDS CIRCLESold · Mar ’26

$855,000

3280 GULF WINDS CIRCLE · same community

4 bd · 2.5 ba · 2,567 sqft · $333/sqft · 119 DOM

3344 GULFVIEW DRIVESold · Apr ’26

$1,125,000

3344 GULFVIEW DRIVE · same community

5 bd · 4 ba · 3,152 sqft · $357/sqft · 31 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 4295 NEWPORT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4295 NEWPORT DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4295 NEWPORT DRIVE FAQs

What would the monthly payment be for 4295 NEWPORT DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,737/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 4295 NEWPORT DRIVE?+

The most recent tax bill on record (2025) was $7,819. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 4295 NEWPORT DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Hernando Beach?+

At $1,200,000, this home is listed about 134% above the Hernando Beach median of $512,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4295 NEWPORT DRIVE?+

Westside Elementary School (elementary), Fox Chapel Middle School (middle), Weeki Wachee High School (high) — Hernando County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,200,000 runs 264% above the HERNANDO BEACH 34607 median — but at 2,799 sqft it's also nearly twice the size of the typical Hernando Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 3 days on market in a Hernando Beach market that averages 47 — if it fits, move quickly.

Listing courtesy of JT REALTY & ASSOCIATES · Sarah Hill. MLS #TB8532427.

IDX 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 accurate by Stellar MLS.

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