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Listings courtesy of HILL POINT REALTY INC. as distributed by MLS GRID.

Active - House for sale

4514 NEPTUNE DRIVE, Hernando Beach, FL

2 bds|2 bth|1,389 sqft

Facts & features

House Property type
7 days on Beycome
1992 Year built
$439 Price/Sqft.
2 car garage Parking
7,510 sqft Lot size

Why you’ll love it

  • Waterfront
  • Water view
  • Pool
  • Garage
  • Stainless steel

Welcome to this spacious 2-BEDROOM, 2-BATH HOME WITH 1st level FLEX & GAME/ENTERTAINMENT SPACE, a 2-CAR GARAGE, and a desirable CUL-DE-SAC location. Situated on a corner lot with approximately 120 FEET OF CONCRETE SEAWALL AND A FLOATING DOCK, this home offers an exceptional waterfront setting and DIRECT GULF ACCESS in the heart of Hernando Beach. A covered entry welcomes you into a soaring foyer and bright main living area featuring VAULTED CEILINGS, laminate wood-look flooring and an abundance of windows. Pocketing 4-panel sliding glass doors open the living space to the SCREENED UPPER-LEVEL PORCH, creating a seamless indoor/outdoor living experience with beautiful water views. The family and dining areas flow into the beautifully UPDATED KITCHEN (2022) featuring quartz countertops, custom blue cabinetry with accent glass doors, quartz backsplash, under-cabinet lighting, stainless steel appliances and porcelain wood-look tile flooring. A charming kitchen nook surrounded by bay windows, custom lighting, plant shelves and a pantry closet completes this bright and inviting space. The spacious primary suite features a vaulted ceiling, French doors with built-in blinds leading to the screened porch and a walk-in closet. The primary bath offers a FLOOR-TO-CEILING CUSTOM TILE SHOWER, jetted garden/Jacuzzi tub and granite-topped vanity. The second bedroom also enjoys a water view, while the guest bath features a Corian counter top, vanity and custom floor-to-ceiling tiled shower. Laundry is conveniently located on the upper level. Downstairs expands the possibilities with an approximately 25’ X 18’ GAME/ENTERTAINMENT ROOM with sliding glass doors opening to a covered porch, plus an approximately 14’ X 11’ FLEX ROOM ideal for an office, hobby room, workout area or additional storage. Step outside and embrace the HERNANDO BEACH WATERFRONT LIFESTYLE with a spacious backyard, ABOVE-GROUND POOL, covered and screened outdoor spaces, approximately 120 FEET OF SEAWALL, floating dock and plenty of room for entertaining. Bring the boat, kayaks and paddleboards and take advantage of DIRECT GULF ACCESS, with the open Gulf just a short boat ride away. Hernando Beach is known for its laid-back coastal atmosphere, waterfront homes, canals, boating, fishing, kayaking, beautiful sunsets and easy access to the Gulf. Enjoy nearby HERNANDO BEACH BOAT RAMPS, MARINAS, WATERFRONT RESTAURANTS, BEACH ACCESS AND THE HERNANDO BEACH FLATS, a popular area for boating, fishing and enjoying the Nature Coast. Additional highlights include a 2-CAR GARAGE, 30-amp RV plug in the garage, newer front and back storm doors and a WATER SOFTENER SYSTEM INSTALLED IN 2019.Current insurance costs are approximately $1,486/YEAR FOR FLOOD INSURANCE, with a savings of approximately 4,771 dollars and and less than 3000 dollars FOR HOMEOWNERS INSURANCE. Enjoy NO HOA AND NO CDD, with SHORT-TERM RENTALS ALLOWED, offering flexibility as a full-time residence, vacation getaway or investment property. Shopping, medical facilities, entertainment and everyday conveniences are just a short drive away, with convenient access to US-19 and the Suncoast Parkway for travel toward Tampa, Brooksville and surrounding areas. COME LIVE THE HERNANDO BEACH LIFESTYLE—WHERE EVERY DAY FEELS LIKE A VACATION! THIS IS FLORIDA LIVING!

Translating description...

Listed by: Sarah Hill • mls@sarahhillgroup.com • HILL POINT REALTY INC.

Co-listed by: HILL POINT REALTY INC.

Source: Stellar MLS as distributed by MLS GRID, MLS#: W7888889 Stellar MLS as distributed by MLS GRID logo

Based on information as of Jun 01, 2026 at 02:21pm EDT.

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Affordability

$395,000$825,000
1%20%
0%90%
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Estimated monthly payment

$3,385/mo

  • Mortgage$3,084
  • Property tax$301
  • HOA fee
  • Homeowners insurance
Due at closing$484,950
Down payment held in escrow$122,000
Closing costs$9,150
beycome credit Est.$12,200

Beycome estimates only. Actual amounts and terms vary by lender and location.

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Flood & climate risk

FEMA Flood Zone AE

In a FEMA Special Flood Hazard Area — flood insurance is typically required with a federally-backed mortgage.

More details

Base flood elevation: 12 ft. Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Jun 01, 2026 at 02:21pm EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$610,000 Listed price

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$12,200 Credit back

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