3520 Cobia Dr

Hernando Beach, FL 34607

$53,000
Price
7,500 / 0.17
Lot Size / Acres
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Description

Come Build your dream home in Hernando Beach South! Build your dream coastal home in the highly sought-after Deed Restricted Community of Hernando Beach South. This 7,500 SF (75x100) waterfront homesite is READY FOR DEVELOPMENT and includes a SURVEY, GEOTECH REPORT, and CONSTRUCTION PLANS — saving you time and money as you prepare to build. The low $330 annual HOA fee includes lawn maintenance until construction begins and access to the community boat ramp. Enjoy the benefits of a well-maintained...Come Build your dream home in Hernando Beach South! Build your dream coastal home in the highly sought-after Deed Restricted Community of Hernando Beach South. This 7,500 SF (75x100) waterfront homesite is READY FOR DEVELOPMENT and includes a SURVEY, GEOTECH REPORT, and CONSTRUCTION PLANS — saving you time and money as you prepare to build. The low $330 annual HOA fee includes lawn maintenance until construction begins and access to the community boat ramp. Enjoy the benefits of a well-maintained waterfront neighborhood with NO SHORT-TERM RENTALS ALLOWED (3 month minimum rentals), helping preserve the peaceful coastal atmosphere homeowners love. Located in a flood zone, future homes must 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 BUILD TIME REQUIREMENT — build now, later, or hold as an investment opportunity. RV living is not permitted. Residents enjoy Gulf access through the community boat lift or community boat ramp, making it easy to enjoy boating, fishing, kayaking, and the Florida waterfront lifestyle. Contact the listing agent for a video explaining how the community boat lift operates. Hernando Beach is a charming coastal community along Florida’s Gulf Coast known for its laid-back lifestyle, scenic waterways, and excellent boating access. Nearby attractions include Weeki Wachee Springs State Park, waterfront dining, marinas, golf courses, shopping, and entertainment. Whether you're looking to build a full-time residence, vacation retreat, or future investment property, this lot offers an incredible opportunity to own in one of Hernando County’s most desirable waterfront communities. Lot lines shown in aerial photos are approximate. Property is located just past 4000 Cobia Drive on the left side of the roadway. No for sale sign on property. Land financing options may be available. No seawall is currently present on the property. Schedule your showing today and start planning your Florida coastal dream home!
  1. Listed by Sarah Hill • Brokerage DRE #1059513 • JT REALTY & ASSOCIATES
    P: (352)-670-4455 C: (352)-670-4455 MLS@sarahhillgroup.com

Property Details for 3520 Cobia Drive

Subdivision Name
HERNANDO BEACH
Township
23S
View
Water
Waterfront
Yes
Water View
Canal
LISTING UPDATED: 05/18/2026 07:34 PM

Property Details for 3520 Cobia Drive

StatusActive
MLS #TB8472163
Days on Market107
Taxes$1,045 / year
HOA Fees$330 / year
Condo/Co-op Fees-
Property TypeLand
MLS TypeLand
Year Built-
Lot Size0.17 AC
CountyHernando County
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Location

Listing Courtesy of JT REALTY & ASSOCIATES, Sarah Hill
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Building Information for 3520 Cobia Drive

Lot Size0.17 AC

Payment Calculator

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$379 per month

30 year fixed, 6.36% Interest

Principal and Interest

$264

Property Taxes

$87

HOA Dues

$28

The Payment Calculator is for illustrative purposes only.

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Property Information for 3520 Cobia Drive

Summary
Location and General Information
  • Building Area Units: Square Feet
  • Community Features: Public Boat Ramp, Water Access, Waterfront, Golf Carts OK, Golf
  • Directions: Head North on Shoal Line Blvd,left on Jewfish Dr to Rt Sea Bass Dr to left on Cobia Dr. Property is located on the left sign of the road, just passed 4000 Cobia Drive.
  • Elementary School: Westside Elementary-HN
  • Middle Or Junior School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Mls Major Change Type: Back On Market
  • Major Change Type: Back On Market
  • Listing Service: Full Service
  • Road Frontage Type: Street Paved, County Road
  • Street Number: 3520
  • Street Name: COBIA
  • Street Suffix: DRIVE
  • State: FL
  • City: HERNANDO BEACH
Parking
  • Available For Lease: No
Taxes and HOA Information
  • Association Fee Requirement: Required
  • Association Name: Coastal HOA Management
  • Association Phone: 727-859-9732
  • Association: Yes
  • CDD: No
  • Tax Block: 135
  • Tax Book Number: 17-70
  • Tax Legal Description: HERNANDO BEACH UNIT 13-B BLK 135 LOT 35
  • Tax Lot: 35
  • Tax Year: 2025
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Current Adjacent Use: Residential
  • Current Use: Residential
  • Lot Features: Buildable, Cleared, Flood Plain, Near Marina, Near Public Transit
  • Lot Size Dimensions: 75 x 100
  • Parcel Number: R2422316237001350350
  • Total Acreage: 0 to less than 1/4
  • Water Access: Freshwater Canal w/Lift to Saltwater Canal
  • Water Access: Yes
  • Water Body Name: GULF
  • Water Extras: No Wake Zone
  • Water Extras: Yes
  • Water: No Wake Zone
  • Zoning: R1B
  • Lot Dimensions: 75 x 100
Property and Assessments
  • Flood Zone Code: AE
  • Public Survey Range: 16E
  • Public Survey Section: 24
  • Dock YN: No
Utilities
  • Sewer: Public Sewer
  • Utilities: Cable Available, Electricity Available, Public, Sewer Available, Water Available
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Pool: None
  • Pool Private: No
  • Waterfront Features: Waterfront, Freshwater Canal w/Lift to Saltwater Canal
  • Waterfront Feet Total: 75
Interior Features
  • Living Area Units: Square Feet
  • Water View: Yes
Rental
Rental Information
  • Pets Allowed: Yes

Property History for 3520 Cobia Drive

DateEvent & SourcePriceAppreciation
Feb 24, 2026

Listed (Active)

MFRMLS #TB8472163

—
Feb 21, 2026

Pending

MFRMLS #TB8472163

—
Feb 3, 2026

Listed (Active)

MFRMLS #TB8472163

$53,000—
DateEvent & SourcePrice
02/24/2026

Listed (Active)

MFRMLS #TB8472163

—
02/21/2026

Pending

MFRMLS #TB8472163

—
02/03/2026

Listed (Active)

MFRMLS #TB8472163

$53,000

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 3520 Cobia Drive

Taxable ValueLand$60,000Additions-Total$60,000
Tax Record2025$857 ($71 / month)
Home Facts
Beds0Lot Size8,712 SqFtStyleMiscellaneous Vacant LandCountyHERNANDOAPNR24-223-16-2370-0135-0350

Schools near 3520 Cobia Drive

This home is within Hernando.
Rating
School
Type
Grades
Distance
Westside Elementary School
Public - PK to 5
Fox Chapel Middle School
Public - 6 to 8
Weeki Wachee High School
Public - 9 to 12
GULF COAST ELEMENTARY SCHOOL-4522
Charter - K to 6
Rating
School
Distance
Westside Elementary School
PublicPK to 5

Fox Chapel Middle School
Public6 to 8

Weeki Wachee High School
Public9 to 12

GULF COAST ELEMENTARY SCHOOL-4522
CharterK to 6

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 3520 Cobia Drive, Hernando Beach, FL 34607

3520 Cobia Drive is a 0.17 ac of land for sale in Hernando Beach, FL 34607. This property was listed for sale on February 3, 2026 by JT REALTY & ASSOCIATES, it's currently listed at $53,000. It has been on the market for a total of 107 days and was last sold on December 14, 2021. This listing's school district is Hernando. Nearby schools include Westside Elementary School, Fox Chapel Middle School and Weeki Wachee High School. 3520 Cobia Drive is a 0-bed, 0-bath, 0.17 ac of land on a 7,500 sq. ft. / 0.17 acres lot.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties make no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of JT REALTY & ASSOCIATES, Sarah Hill

The information being provided by MFRMLS and Daytona Multiple Listing Service is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of MFRMLS or Daytona Multiple Listing Service. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. Information deemed reliable but is not guaranteed accurate by MFRMLS or Daytona Multiple Listing Service. Last updated: 05/18/2026 07:34 PM