3388 OLEANDER DRIVE, HERNANDO BEACH, FL, 34607
Active2 days on marketListed Jul 31, 2026MLS #W7888020
About this home
3388 OLEANDER DRIVE
ANCHORS AWAY TO HERNANDO BEACH COASTAL LIVING! RARE OPPORTUNITY TO OWN A FURNISHED WATERFRONT HOME UNDER 400,000 WITH ROOM FOR A POOL & LOCATED JUST MINUTES FROM THE HERNANDO BEACH COMMUNITY BOAT LIFT FOR EASY ACCESS TO THE SALTWATER SIDE & GULF! This furnished 3 Bedroom, 2 Bathroom, 1 Car Garage waterfront home has the nautical charm buyers love, from the navy blue exterior with crisp white trim to the anchor accents, palm tree lights, tropical landscaping & inviting waterfront setting. Sitting higher in elevation than many Hernando Beach homes, this property offers added peace of mind while still capturing the relaxed waterfront lifestyle buyers are looking for. From the moment you walk through the front door, you are welcomed by a beautiful stained-glass egret window & a straight view through the home to the backyard, palm trees & water beyond. The open floor plan features a living room, dining area & coastal kitchen that flows into a rear sitting area, creating a comfortable layout for everyday living, entertaining or relaxing after a day on the water. The home is completely tiled throughout & has a coastal feel with Caribbean-style window cornices, PGT windows, white shaker cabinetry, gray & white quartz countertops, breakfast bar, soft-close cabinetry, lower pot drawers, built-in pantry with pull-outs, all appliances included & a rolling island that stays. Both bathrooms have been beautifully remodeled, adding to the move-in-ready appeal. The 5x5 utility room backs up to the garage area where the washer & dryer are currently located, creating an easy opportunity to convert this space into an interior laundry room. The garage also includes an unfinished 3rd bathroom, offering additional potential for a bedroom/bathroom setup, guest area, hobby space or flexible use, depending on the buyer's needs. Outside, enjoy multiple outdoor living spaces including a patio just off the sliding glass doors, a paver patio with a hot tub that stays, an additional patio area perfect for grilling, plenty of room to add the pool you've always wanted, beautiful queen palms in the front yard, Bismarck palms in the backyard & a floating dock for enjoying the waterfront lifestyle. A paver parking pad along the side of the home provides valuable extra space for a boat trailer, utility trailer, golf cart or additional vehicles, making it even easier to enjoy the coastal lifestyle. Located close to the Hernando Beach Community Boat Lift, you'll enjoy convenient access to the saltwater side & Gulf, making boating, fishing, kayaking, scalloping & waterfront adventures part of everyday life. Additional highlights include a 2021 dimensional shingle roof, 2019 HVAC & furnishings included. Hernando Beach is a laid-back coastal community known for its canals, waterfront restaurants, marinas, boating lifestyle, golf cart rides, spectacular sunsets, coastal wildlife, friendly neighbors & easy access to Weeki Wachee, the Gulf & all the natural beauty of Florida's Nature Coast. This home offers the perfect blend of nautical character, tropical outdoor living, future potential & relaxed Hernando Beach charm.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,534
Sqft
0.17 ac
Lot size
1
Garage
1980
Year built
One
Levels
$254
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.
$2,966 /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
$2,966/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.
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
+16.1%
$/sqft vs HERNANDO BEACH
$254 vs $358
Days on market
2 vs 35 typical
Where $254/sqft sits among the 28 homes for sale in HERNANDO BEACH
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
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)
13 of 28
HERNANDO BEACH have cut their price
Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% 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 3388 OLEANDER 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$710,000
3498 CENTAVO COURT · same community
3 bd · 2 ba · 1,535 sqft · $463/sqft · 16 DOM
Sold · May ’26$495,000
4009 SHEEPHEAD DRIVE · same community
3 bd · 3 ba · 1,554 sqft · $319/sqft · 0 DOM
Sold · Jan ’26$595,000
4137 DES PREZ COURT · same community
3 bd · 2 ba · 1,470 sqft · $405/sqft · 25 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3388 OLEANDER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3388 OLEANDER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3388 OLEANDER DRIVE FAQs
What would the monthly payment be for 3388 OLEANDER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,966/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 3388 OLEANDER DRIVE?+
The most recent tax bill on record (2025) was $4,064. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hernando Beach?+
At $389,900, this home is listed about 29% 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 3388 OLEANDER 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
$389,900 runs 18% 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 2 days on market in a Hernando Beach market that averages 35 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Sharie Oakland. MLS #W7888020.
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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