Love where you live in the highly sought-after waterfront community of Hernando Beach, Florida! Seller giving a $5000 flex credit to the buyer to be used towards a Flood Insurance policy or closing costs. This beautifully maintained 4-bedroom, 2.5-bathroom home offers three stories of functional space, including two levels of living and a dock. Step inside to feel the warmth and care poured into this home. Recent upgrades ensure move-in-ready convenience, including a new A/C unit with a 10-year transferable warranty (covering parts, labor, and maintenance), a new hot water heater, a new electrical panel, new gutters with underground drainage, and a newer roof (2021). The kitchen shines with new quartz countertops, new black stainless steel appliances, farmers sink, lots of beautiful cabinets and under-cabinet lighting, while the bathrooms boast new fixtures and marble countertops. The main living area is elevated just a few steps up, leading to a spacious family room with a wood-burning fireplace and two oversized PGT non-impact pocket sliding glass doors that open to an expansive lanai spanning almost the width of the home. The open-concept design flows seamlessly into the oversized dining area and walk-in pantry. Three generously sized bedrooms, a convenient laundry room with additional storage complete the main level. Upstairs, the private master retreat features large windows for abundant natural light, a huge walk-in closet, and an en-suite bath with double sinks, marble countertop,a Jacuzzi Garden tub, and a stylish tiled walk-in shower. The private master lanai is the perfect place to unwind. On the ground level, two oversized garage spaces with storage rooms, along with a half bath for convenience. A custom wood bar area opens to a screened-in lanai—ideal for entertaining. The backyard leads to a spacious dock, ready for your boat and waterfront adventures. which has perfect space for your boat and if you don't have a boat it's a great excuse to get one. No expense has been spared in making this home an exceptional waterfront retreat. Don't miss out—schedule your private showing today! Additional .17 acre lot next door (key #169178)available for $110,000. A Lender credit is being offered, ask for details.