3198 INDIAN GULF LANE Hernando Beach, FL $ 1,199,000
3198 INDIAN GULF LANE
$ 1,199,000
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3198 INDIAN GULF LANE

Hernando Beach, FL, 34607
$ 1,199,000
Bedrooms2 Baths3.0 Sq 1,344

Monthly Estimate*

$ 7,571

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Single Family Home for sale in Hernando Beach, FL

for $1,199,000 with 2 bedrooms and 3 full baths. This 1,344 square foot home was built in 1984 on a lot size of 0.36.

Experience an exceptional waterfront lifestyle at 3198 Indian Gulf Lane, located in Aripeka, part of the greater Hernando Beach market area. This extensively renovated coastal residence is offered together with adjoining Lot 13, which forms an integral part of the homesite. The property combines comfortable coastal living with open water views, a poured-concrete seawall, private boat lift, expansive upper balcony, large covered ground-level entertaining area and one-car garage. The main living level features an open and inviting floor plan designed to take advantage of the surrounding waterfront setting. The living room, dining area and remodeled kitchen flow together, with generous windows and sliding glass doors providing abundant natural light and views toward the water. The kitchen features white cabinetry, granite countertops, stainless-steel appliances, extensive counter space and a large island/breakfast bar providing additional seating and workspace. Wood-look flooring, plantation shutters, ceiling fans and coordinated coastal finishes contribute to the home's updated presentation. The adjoining upper balcony substantially extends the living and dining areas outdoors and provides an ideal setting for relaxing, dining or enjoying the natural waterfront surroundings. The upper level includes the primary bedroom with private bath, a second bedroom, an additional full bath and laundry area. A finished first-floor room provides valuable additional flexibility. Although this room does not have a closet, it is finished consistently with the home, has a window and conventional access, and includes a full private bathroom. The space is well suited for use as a guest bedroom, den, home office or other flex space. Outdoor living is equally impressive. A substantial covered paver area beneath the home creates a shaded entertaining space complete with a dedicated bar area, while the upper balcony provides elevated views across the water. The poured-concrete seawall and private boat lift make the property particularly appealing for boating, fishing, kayaking and exploring the surrounding waterways leading to the Gulf of America. The home also features a metal roof, paver driveway and extensive updating throughout. Aripeka is part of Florida's Nature Coast and the greater Hernando Beach market area, offering convenient access to a variety of outdoor recreation and waterfront destinations. Nearby amenities include Bayport Park with Gulf access, fishing pier and boat ramps; Linda Pedersen Park and Jenkins Creek Park along Shoal Line Boulevard; Rogers Park on the Weeki Wachee River; and Alfred McKethan/Pine Island Park with its Gulf beach and swimming area. SunWest Park in Hudson provides additional beach and water recreation, while Weeki Wachee Springs is also within convenient reach. Popular Hernando Beach dining destinations include Brian's Place, The Lazy Lizard and Silver Dolphin Restaurant & Country Store. U.S. Highway 19 provides convenient access to shopping, dining and everyday services, including Cracker Barrel on Commercial Way. 3198 Indian Gulf Lane offers a distinctive combination of updated coastal living, flexible interior space, boating amenities and the natural waterfront setting that defines the Hernando Beach and 34607 coastal market.

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Single Family Active

Price

$ 1,199,000

Bedrooms

2

Full Bath

3

Property Type

Single Family

Taxes

$ 17,674

Style

Coastal

Lot Size

0.36

Year Built

1984

Town/City

Hernando Beach

County/Region

Hernando

MLS | Web ID

W7888807

Features
General
Sewer Septic Tank
Heating Central Electric
Cooling Central Air Wall/Window Unit(s)
Utilities Cable Connected Electricity Connected Water Connected
Possession Close Of Escrow
Roof Metal
Appliances Dishwasher Dryer Microwave Range Refrigerator Washer
Zoning R1A
Garage Spaces 1
Architectural Style Coastal
Construction Materials Stucco Wood Frame
Year Built 1984
View Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Gulf/Ocean
Additional Parcels Description R25-223-16-2615-0010-0130
County Hernando
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name INDIAN BAY COUNTRY HOMES UNREC
Facing Direction North
Garage Y/N true
Total Rooms 6
Full Baths 3
Status Active
Directions From U.S. Highway 19 (Commercial Way) travel west on Spring Hill Drive (CR-574 W). Continue as Spring Hill Drive becomes Osowaw Boulevard (CR-595 W). Turn left to remain on Osowaw Boulevard then turn right onto Indian Bay Road. Bear slightly left onto Indian Gulf Lane and continue to 3198 Indian Gulf Lane.
City HERNANDO BEACH
Body of Water GULF OF AMERICA
Senior Community Y/N false
MLS Area 34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Lot Size Units Square Feet
Lot Size Square Feet 15632
Carport Y/N false
Listing Terms Cash Conventional VA Loan
Property Attached Y/N false
Land Lease Y/N false
Tax Annual Amount 17674
Home Warranty Y/N false
Property Condition Completed
Additional Parcels Y/N true
Lease Considered Y/N true
Virtual Tour https://my.matterport.com/show/?m=bNHsTHii4aQ https://iframe.videodelivery.net/4d7c43554aa055de95abe9a7174d9c55
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 13 14
Legal Description INDIAN BAY COUNTRY HOMES UNREC BLK 1 LOTS 13 & 14 UNDIV INT IN ROAD R/W *See Realtor Remarks
Water View Gulf/Ocean - Full
Water Access Type Gulf/Ocean
Minimum Lease No Minimum
Water Access Y/N true
Water View Y/N true
Flood Zone Code AE
In Law Suite YN false
DockY/N false
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Interior
Interior Amenities Ceiling Fan(s) Crown Molding Open Floorplan PrimaryBedroom Upstairs Stone Counters Window Treatments
Flooring Brick/Stone Ceramic Tile Luxury Vinyl
Furnished Y/N Furnished
Air Conditioning Y/N true
Heating Y/N true
Window Features Aluminum Frames Shutters Window Treatments
Fireplace Y/N false
Half Baths 0
Laundry Features Electric Dryer Hookup Inside Upper Level Washer Hookup
Total Bedrooms 2
Total Baths 3
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Exterior
Exterior Amenities Balcony Sliding Doors Storage
Parking Features Boat Driveway Under Building
Lot Features FloodZone In County Level Oversized Lot
Water Source Public
Lot Size Area 15632
Foundation Details Slab Stilt/On Piling
Spa false
Building Area Total 2968
Lot Dimensions 120 x 131
Lot Size Acres 0.36
Road Surface Type Paved
Private Pool false
Waterfront Y/N true
Covered Spaces 1
Road Frontage Type Street Paved
Number of Lots 2
Road Responsibility Private Maintained Road
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* Excluded Features
List By
Anthony.Kanaris@BridgePointBREA.com

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Affordability Calculator

$9,043
Per Month
84%
16%
0%
Monthly Principal & Interest
$7,571
Monthly Property Taxes
$1,473
Monthly Home Insurance
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
8/25/2026$1,199,000 Listed Price

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3198 INDIAN GULF LANE, Hernando Beach, FL, 34607 is a Single Family Home for sale at $1,199,000 with 1,344 sqft and a lot size of 0.36. 3198 INDIAN GULF LANE has 2 bedrooms, 3.0 baths, and was built in 1984. The property's zip code is 34607 which is in Hernando Beach, FL