Gulf access in minutes | private boat ramp | 90' of waterfront | built to outlast florida let's talk about what actually matters in a waterfront home in florida how it's built and how it holds up. This 1971 home has been standing through decades of florida weather while newer construction around it has come and gone. And when hernando beach flooded a few years back? Minimal impact. Why? Because this home sits on an elevated lot, has cement board walls instead of drywall, and tile flooring throughout. There is no drywall to rot. No carpet to ruin. No soft walls to buckle. This is how waterfront homes should be built and almost none of them are anymore. Flood insurance is currently in place at $3,800/year that's $316/month for a waterfront home with a private boat ramp on the gulf coast of florida. That number is known, it's locked in, and there are no surprises. Now let's talk about why you're actually buying this one. You get 90 feet of waterfront on a lot and a half in a cul de sac in hernando beach with your very own private boat ramp in the backyard. Not a community ramp. Not a public ramp. Yours. Launch your boat and be cruising through the canal to the open gulf in 5 minutes. Scalloping season, offshore fishing, sunset cruises this is your daily life now. The backyard is the reason people fall in love with this one. Floating dock. Seawall with cap. Fenced dog run. Huge paver side yard. Firepit. Garden area. And a real tiki hut where sunset drinks just hit different. The kind of backyard that makes your friends stop asking why you moved to florida. Inside new roof (2024). New hot water heater (2025). All new kitchen appliances (2024). Dual pane windows. Tile flooring throughout. The bones are solid, the big tickets are done, and the cement board walls mean this home laughs at humidity. The community is golf cart friendly with no hoa and no short term rental restrictions use it as a full time home, a weekend escape, or an income producing waterfront rental. The flexibility is yours. Evenings at brian's place. Lunch at the lazy lizard. Live music at the tiki bar. Morning coffee on the dock. Short drive to the weeki wachee river, pine island beach, and rogers park. Kayaking, paddleboarding, scalloping, fishing pick your adventure. This isn't just a waterfront home. This is gulf access from your own backyard. This is a home that has proven it can handle florida. This is hernando beach done right. ?? 4384 4th isle drive, hernando beach fl | $515,000 | flood insurance: $3,800/yr