3304 ROSE ARBOR DRIVE, HERNANDO BEACH, FL, 34607
Active142 days on marketListed Mar 5, 2026MLS #TB8483346
About this home
3304 ROSE ARBOR DRIVE
PARTIAL IMPACT FEES PAYS!! INDIRECT GULF ACCESS waterfront lot in the heart of Hernando Beach! This 5,000 SF (50x100) homesite is ready for you to build your dream coastal retreat and enjoy the Florida waterfront lifestyle. Convenient boating access with indirect Gulf access makes this property ideal for boating, fishing, and kayaking enthusiasts. Located in a flood zone, any future home will need to be elevated. Zoned R1B for single-family homes only (no mobile homes permitted). Water, sewer, and electric are available at the street and will need to be connected to the future residence. No timeline to build, giving you flexibility to build now or hold as an investment. Docks may be installed without a home currently on the property. This is not an RV lot and RV living is not permitted. Enjoy all that Hernando Beach has to offer with NO HOA, NO deed restrictions, and NO short-term rental restrictions. Nearby attractions include Weeki Wachee Springs, waterfront dining, live entertainment, local marinas, fishing, kayaking, and shopping. This peaceful coastal community offers the perfect balance of relaxation and convenience with easy access to nearby amenities and attractions. Lot lines shown in aerial photos are approximate. Property is located on the left side of the road across from 3305 Rose Arbor Drive. Land financing options may be available.
Facts & features
The home at a glance
0.11 ac
Lot size
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.
$603 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$603/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Hernando Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$495K → $488K
Hernando Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 82% below the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3304 ROSE ARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
3178 SEA GRAPE DRIVE · same community
2 bd · 2 ba · 823 sqft · $352/sqft · 564 DOM
Sold · Jun ’26$428,500
3366 BLUEFISH DRIVE · same community
3 bd · 3 ba · 1,384 sqft · $310/sqft · 156 DOM
Sold · Jun ’26$500,000
4208 DES PREZ COURT · same community
2 bd · 2 ba · 1,435 sqft · $348/sqft · 51 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3304 ROSE ARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3304 ROSE ARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
3304 ROSE ARBOR DRIVE FAQs
What would the monthly payment be for 3304 ROSE ARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $603/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 3304 ROSE ARBOR DRIVE?+
The most recent tax bill on record (2025) was $909. 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 3304 ROSE ARBOR 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 $58,000, this home is listed about 89% below the Hernando Beach median of $548,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3304 ROSE ARBOR DRIVE?+
Fox Chapel Middle School (middle), Deltona Elementary School (elementary), 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
01Under the HERNANDO BEACH 34607 market on paper
$58,000 is 82% below the HERNANDO BEACH 34607 median of $325,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
142 days on market against a Hernando Beach median of 35 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of JT REALTY & ASSOCIATES · Sarah Hill. MLS #TB8483346.
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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