Off-Market~$320K Spread

3BR / 2BA Waterfront — 2,004 Sq Ft

Nature Coast · Hernando Beach
Starting at $555,000

A 2,004 sq ft waterfront home on the Hernando Beach canals with a 2-year-old roof and $320K of spread to ARV.

About This Property

A three-bedroom, two-bath waterfront home of 2,004 sq ft, built in 1991 on the Hernando Beach canal system, where waterfront resale product commands a deep premium over the inland market.

The roof is only about two years old. Cooling is split across two systems — one roughly three years old, the other older and worth budgeting for. Flood zone AE, as expected on the water.

Sold with 30 post-possession days and a $15,000 holdback — the seller remains up to 30 days after closing with funds escrowed, and you underwrite accordingly.

Property Details

  • Property typeSingle-family — waterfront
  • Bedrooms3
  • Bathrooms2
  • Living area2,004 sq ft
  • Year built1991
  • Lot9,874 sq ft
  • Flood zoneAE
  • Street addressOn record — released to registered buyers

Condition & Scope

  • Roof~2 yrs
  • ACTwo systems — ~3 yrs and 12+ yrs
  • Water heater11–15 yrs
  • Possession30 post-possession days · $15,000 holdback
  • ConditionSold as-is

Comparables

  • Seller-provided after-repair value of $875,000 — not independently verified by us

Ask and we will pull county sold comps and underwrite this deal with you before you offer.

Offer Terms

  • Accepted financingCash · hard-money / private
  • Proof of fundsRequired with offer
  • Earnest moneyDue at contract signing
  • Closing costsTypically buyer-paid
  • TimelineQuick close preferred
  • Earnest money$7,500
  • Seller's target closingSeptember 4, 2026

Terms are typical for these opportunities — exact figures and title company confirmed with your offer.

How It Works

Is this property on the MLS?

No. These are off-market opportunities shared privately with our buyer network before they ever hit the open market — so you avoid bidding wars and retail competition.

Can I walk the property before I offer?

Yes — walkthroughs are by appointment. Reach out and we'll coordinate access or share a walkthrough video where one is available.

What do I need to lock it up?

A signed agreement, proof of funds, and an earnest-money deposit. Cash or hard-money / private financing moves fastest.

Do you have comps and a full numbers breakdown?

ARV and rehab figures on most listings come from the seller, and we label them that way rather than presenting them as our own analysis. Ask, and we will pull county sold comps and underwrite the deal with you before you make an offer. On some listings that work is already done.

How quickly can we close?

As fast as title allows. Quick, clean closings are preferred and often part of securing the best price.

To schedule a walkthrough or submit an offer, contact:
Stephen Tilton — FLA Private Deals
📲 407-955-2759  |  📧 StephenLifeFL@gmail.com
Unlock Address & Numbers

All figures (after-repair value, rehab estimates, rents, and spreads) are estimates provided for investor convenience and are not guaranteed. Buyers should perform their own due diligence and verify all numbers, condition, square footage, and zoning independently. Property offered for off-market sale; details subject to change or prior sale.