MOTIVATED SELLER!!! With lots of upgrades including new paint on 1st and 2nd level, new epoxy floors on the first level, and a new seawall cap. ARE YOU a veteran ELIGIBLE FOR A VA LOAN? This property has an ASSUMABLE VA LOAN AT A LOW INTEREST RATE AND VERY LITTLE DOWN! Discover coastal living at its finest in this elevated waterfront home offering direct Gulf access, a private floating dock, and an open permit for a future boat lift with pilings already in place. This thoughtfully designed 3-bedroom, 3-bath home features a desirable 3 bedroom 2 bath split floor plan on the main (second) level, plus an additional bathroom and fully equipped bonus suite on the ground level. Step inside the bright and airy main level, where tall ceilings, fresh paint, and NEW vinyl flooring, and new light fixtures set the stage for modern waterfront living. The open-concept kitchen, dining, and living area flows seamlessly to a covered rear deck overlooking the water — perfect for entertaining or relaxing with a view. The kitchen boasts NEW stainless steel appliances, a gas cooktop, quartz countertops, eat-in island, pantry, and of course, breathtaking water views. The spacious primary suite features a recently updated bathroom with dual vanities, a walk-in shower, and a luxurious garden tub. Laundry hookups are conveniently located on both levels. The far end of the home has two bedrooms that share a Newly updated bathroom. Downstairs, enjoy the versatility of a bonus room with a newly updated full bath, laundry area, and its own entrance. The garage side of the first level features a 12-ft tall door with parking for up to 4 vehicles in the tandem bays that are also deep enough to park a boat trailer. The ground level is finished with weather-resistant PVC and block walls for durability and peace of mind. Outside, the oversized fenced yard has ample room to build the pool of your dreams and the side yard has plenty of space to park your RV or boat. Plus, the floating dock and pre-installed pilings make boating a breeze—skip the wait with an already open, transferable permit for your future lift. Additional updates include a new AC in 2017, new 1st floor mini-split 2024, and new roof in 2022. With all of the wind mitigation upgrades on this property the home owners insurance is only $2474 and transferable flood insurance is $2141. Seller has estimates for a new pool in the backyard at $55k and can be installed within 4 months. Hernando Beach is a vibrant waterfront community that offers the best of coastal living—boating, kayaking, paddleboarding, fishing, and more. Just minutes from the world-famous Weeki Wachee Springs, residents also enjoy close proximity to shopping, dining, hospitals, and top-rated schools. The community is golf cart friendly and allows short-term rentals with no HOA, no deed restrictions, making it perfect for full-time residents, part-time snowbirds, or investors. The Suncoast Parkway offers easy commuting to Tampa, Brooksville, and beyond.