Rachel Jean-Baptiste
Pending
$549,900$569,9003 bd2 ba1,722 sqft$319 /sqft$4,044 /mo all-in ↓

3305 ROSE ARBOR DRIVE, HERNANDO BEACH, FL, 34607

Pending66 days on marketListed Jun 4, 2026MLS #W7886191

Reduced $20KWaterfrontSingle Family ResidenceHERNANDO BEACH

About this home

3305 ROSE ARBOR DRIVE

WESTERN SUNSET VIEWS, 100 FT OF WATER FRONTAGE & A DOUBLE LOT IN HERNANDO BEACH! This Beautiful 2020-Built Waterfront Home offers the Coastal Lifestyle Buyers are looking for, with a rare Double Lot, 100 feet of Water Frontage, Kneewall & Seawall, Vinyl-Fenced Backyard, 2021 Floating Dock, and a 2023 Outdoor Lift built by Legacy. Enjoy peaceful western views from the rear of the home, where sunsets over the wide waterfront canal create the perfect backdrop for everyday living. Located in a welcoming Hernando Beach neighborhood known for its wide streets, wide canals, and relaxed coastal feel, this property offers access to the saltwater side through the Community Boat Lift, giving you the opportunity to enjoy boating, fishing, kayaking, and the Nature Coast lifestyle. Built in 2020 under newer building codes, this home includes Double-Pane Impact Windows, plus a Solar System to help with electric costs, adding extra value, comfort, and efficiency. Pretty curb appeal welcomes you inside to an Open Great Room Floor Plan with Vaulted Ceilings and Distressed Laminate Flooring in the main living areas for durability and low-maintenance living, creating a light, bright, and spacious feel. The Large Chef’s Kitchen offers plenty of cabinetry and counter space, White Wood Shaker Cabinets, Dovetail Soft-Close Drawers, Granite Counters, Stainless Steel Appliances, and a center Island/Breakfast Bar that opens beautifully to the main living area. The home includes 3 Bedrooms and 2 Bathrooms, with a comfortable layout for everyday living, guests, or a home office option. The Primary Suite features a Walk-In Closet and private bath with White Wood Shaker Cabinetry, Granite Counters, and a Walk-In Shower. Bedrooms 2 and 3 share a Guest Bath with White Wood Shaker Cabinetry, Granite Counters, and a Tub/Shower Combination. The Utility Room includes the Washer and Dryer, adding convenience to the main living level. Outdoor living is easy with the rear porch and awning overlooking the water, while the Vinyl-Fenced Backyard offers plenty of room to create your own Outdoor Oasis with a Pool, Summer Kitchen, Gazebo, Fire Pit, or Expanded Entertainment Area. The HUGE 1,712 sq ft Garage offers incredible storage, workspace, parking, and flexibility, plus Interior Stairs and a Garage Refrigerator. With its Double Lot, wide canal views, sunset exposure, boating access, newer construction, impact windows, oversized garage space, and room to spread out, this Hernando Beach home is a rare opportunity to enjoy waterfront living in one of Florida’s most charming coastal communities.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,722

Sqft

0.23 ac

Lot size

3

Garage

2020

Year built

Two

Levels

$319

Per sqft

WaterfrontWater view

Inside

FlooringLaminate
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionVinyl Siding · Wood Frame
FoundationStilt/On Piling
ViewWater
FacesEast
ExteriorFrench Doors · Lighting

Community & fees

Taxes (2025)$4,844/yr

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,044 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,237
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$404
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,247Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,247
Interest rate6.00%
Loan term

Estimated payment

$4,044/mo

Principal & interest$3,237
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$404
Est. insurance$160

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.

List $550K
$528KedgeAI estimate $619,792 · range $557K$754K$784K

vs edgeAI estimate

−11.3%

Days on market

66 vs 47 typical

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

Map of 3305 ROSE ARBOR DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)72 min
Downtown Tampa75 min

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

ElementaryWestside Elementary School★★★★★
MiddleFox Chapel Middle School★★★★
HighWeeki Wachee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hernando Beach market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$453K$500K

Hernando Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

Median sold price, Hernando Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 67% above the HERNANDO BEACH 34607 median. See the full Hernando Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $549,900 $20K
Jun 4, 2026Listed at $569,900 · 66 days on market since
2020Built · HERNANDO BEACH

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.

Rachel Jean-Baptiste

Your agent

Rachel Jean-Baptiste

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3305 ROSE ARBOR DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3305 ROSE ARBOR DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Rachel's phone and CRM.

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Straight answers

3305 ROSE ARBOR DRIVE FAQs

What would the monthly payment be for 3305 ROSE ARBOR DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,044/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 3305 ROSE ARBOR DRIVE?+

The most recent tax bill on record (2025) was $4,844. 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 $549,900, this home is listed about 7% above the Hernando Beach median of $512,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3305 ROSE ARBOR 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

$549,900 runs 67% 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.

03The price has already moved

Listed at $569,900, now $549,900 — a $20K cut. The full history is in the market section below.

Listing courtesy of RE/MAX ALLIANCE GROUP · Sharie Oakland. MLS #W7886191.

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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