3294 MINNOW CREEK DRIVE, HERNANDO BEACH, FL, 34607
Active3 days on marketListed Aug 10, 2026MLS #W7888444
About this home
3294 MINNOW CREEK DRIVE
Discover the ultimate Florida boating lifestyle in this exceptional waterfront home in Hernando Beach, where direct Gulf access is just minutes away. Located on a deep-water canal, this beautifully maintained home offers the perfect combination of quality construction, modern updates, and resort-style outdoor living. The thoughtfully designed two-story home features 3 bedrooms and 2 full baths, with the main living area located on the upper level to maximize water views and coastal breezes. An expansive outdoor living area overlooks the screened pool below, creating the perfect setting for morning coffee, evening drinks, or entertaining family and friends while enjoying the waterfront scenery. At the heart of the home is an updated kitchen featuring quartz countertops, a large center island, and abundant wood cabinetry incl. pull-outs and soft-close drawers, flowing seamlessly into the main living and dining spaces for comfortable everyday living and effortless entertaining. Step outside to your private tropical retreat, complete with an in-ground pool fully screen-enclosed. Whether you're relaxing poolside or watching boats pass by from the upper deck, every day feels like a vacation. Designed with boaters in mind, the property includes a 12,000-pound boat lift (2020) with attached dock, making it easy to keep your boat in the water and head out for a day of fishing, scalloping, fun at the Hernando Beach ''flats'', or watching unforgettable sunsets over the open Gulf. Additional features include an elevator providing convenient access between levels, an oversized garage with extra storage and a loft, a metal roof (2018), double pane windows, hurricane shutters, and a built-in pest control tube system for added convenience and peace of mind. Whether you're searching for a full-time waterfront residence or the perfect coastal getaway, this home offers everything that makes Hernando Beach one of Florida's hidden gems--deep-water boating, quick Gulf access, beautiful outdoor living, and the relaxed coastal lifestyle you've been dreaming of.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,416
Sqft
0.16 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$619
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,534 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,534/mo
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.
vs edgeAI estimate
+117.7%
$/sqft vs GULF COAST RET
$619 vs $411
Days on market
3 vs 49 typical
Where $619/sqft sits among the 14 homes for sale in GULF COAST RET
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hernando Beach market
$453K → $500K
Hernando Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
8 of 14
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 170% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3294 MINNOW CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$395,000
3288 MINNOW CREEK DRIVE · same community
3 bd · 2 ba · 1,425 sqft · $277/sqft · 140 DOM
Sold · Aug ’25$450,000
3181 GULF WINDS CIRCLE · same community
2 bd · 2 ba · 1,397 sqft · $322/sqft · 91 DOM
Sold · Sep ’25$655,000
4460 FLOUNDER DRIVE · same community
2 bd · 2 ba · 1,484 sqft · $441/sqft · 55 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.
Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3294 MINNOW CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3294 MINNOW CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
3294 MINNOW CREEK DRIVE FAQs
What would the monthly payment be for 3294 MINNOW CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,534/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 3294 MINNOW CREEK DRIVE?+
The most recent tax bill on record (2025) was $3,750. 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 3294 MINNOW CREEK 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 $877,000, this home is listed about 76% above the Hernando Beach median of $499,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3294 MINNOW CREEK 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
$877,000 runs 170% above the HERNANDO BEACH 34607 median.
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 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of TROPIC SHORES REALTY LLC · Silvia Dukes, Pa. MLS #W7888444.
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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