Direct Gulf Access 3 Story Home in Hernando Beach | Low Flood Insurance | Updated & Move In Ready Enjoy waterfront living with direct, bridge free Gulf access from this spacious and well maintained 3 bedroom, 2 bath stilt home in desirable Hernando Beach. Located in an AE flood zone with a transferable flood policy ($599/year) for added peace of mind. Key Features & Updates: New Roof (2019) Remodeled Bathrooms (2018) includes large walk in shower in the master Exterior Paint (2024) & Interior Paint (2023) New Carpet in Bedrooms (2023) 3rd Floor A/C (2017) Gutters Installed (2019) Dock Railings Replaced (2024) Breakaway Walls Resealed (2024) Interior highlights include 12 ceilings, ceramic tile flooring (carpet in bedrooms), a propane fireplace, and an open kitchen with Corian counters, propane cooktop, double ovens, breakfast bar seating for 5, and a large walk in pantry. The third floor master suite offers privacy and stunning views, plus access to a screened patio with hurricane shuttersperfect for enjoying sunsets or morning coffee. Additional amenities: Covered & screened porches on both 2nd & 3rd floors Fenced backyard Concrete block breakaway first floor with Durock walls 2 car garage with space for jet skis, golf carts, and more All windows have shades; sliding doors have drapes with sheers Dock with fish cleaning station, power, ladder, and water access Room for a pool Building plans, survey, and elevation certificate available This home combines coastal charm with modern updates and thoughtful features throughout. At over 1,800 sq ft, it's one of the larger stilt homes in the areaperfect for year round living or a relaxing weekend getaway. Schedule your private showing today!