13224 NEPTUNE DRIVE, HUDSON, FL, 34667
Active1 days on marketListed Aug 6, 2026MLS #W7888333
About this home
13224 NEPTUNE DRIVE
DIRECT GULF ACCESS | 105 FT OF WATERFRONT | MOVE-IN READY | NO HOA Welcome to your Gulf Coast boating paradise! This beautifully updated 3-bedroom, 2-bath waterfront home offers the perfect combination of modern comfort and exceptional boating access. Located on a saltwater canal with 105 feet of concrete seawall, this property provides direct Gulf access with no fixed bridges, making it ideal for sailboats, larger vessels, and serious boaters. Inside, you'll find a bright, open floor plan centered around a stunning oversized kitchen featuring stainless steel appliances, granite countertops, white shaker cabinetry, floating shelves, and abundant workspace—perfect for entertaining family and friends after a day on the water. Luxury wood-look vinyl plank flooring runs throughout the home, providing both durability and low-maintenance coastal living. An oversized screened porch overlooks the tranquil saltwater canal, creating the perfect place to enjoy your morning coffee while watching dolphins and manatees swim by. Cast a line from your own dock and catch redfish, snook, mangrove snapper, and other Gulf Coast favorites right from your backyard. The waterfront amenities are exceptional, including an oversized fixed dock, floating dock, boat lift, and 105 feet of concrete seawall, giving you plenty of room for multiple boats, kayaks, paddleboards, and water toys. While the garage is not full vehicle size, it provides excellent storage for a golf cart, motorcycles, fishing gear, bicycles, or boating equipment. Best of all, there is no HOA, giving you the freedom to fully enjoy your waterfront lifestyle. Located in the heart of Hudson Beach, you'll experience one of Florida's most authentic coastal communities. Often compared to the laid-back atmosphere of Key West decades ago, Hudson Beach is known for its waterfront tiki bars, seafood restaurants, working shrimp fleet, marinas, spectacular sunsets, and welcoming boating culture. Spend your weekends exploring the Gulf of Mexico. Cruise approximately 30 minutes south to the famous Anclote Key Sandbar, where crystal-clear water, shells, and shallow sandbars create one of the Gulf Coast's most popular boating destinations. Continue a few minutes farther to Anclote Key Preserve State Park, an undeveloped barrier island offering pristine beaches and outstanding shelling. Head north to discover Hernando Beach Flats, Weeki Wachee River, Homosassa, and Crystal River, where you'll enjoy waterfront restaurants, natural springs with year-round 74-degree water, incredible scalloping, fishing, kayaking, and some of Florida's most beautiful boating destinations. Despite its peaceful waterfront setting, Hudson Beach offers convenient access to everyday necessities. US-19 is just minutes away with shopping, restaurants, grocery stores, medical facilities, banks, and entertainment. Tampa International Airport is approximately one hour away, while Orlando's world-famous attractions can be reached in about 90 minutes. Whether you're searching for a full-time residence, vacation home, or the ultimate fishing retreat, this move-in-ready waterfront property delivers everything you've been dreaming of—modern updates, outstanding boating amenities, incredible fishing, and the relaxed Gulf Coast lifestyle that makes Hudson Beach one of Florida's hidden gems.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,206
Sqft
0.17 ac
Lot size
1
Garage
1979
Year built
One
Levels
$269
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,727 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,727/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+14.1%
Days on market
1 vs 46 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hudson
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Hudson. See the full Hudson guide →
HUDSON 34667 — neighborhood snapshot
Population
30,674
Median age
60.3
Median income
$51,106
Median home value
$214,200
Avg household
1.98
Households w/ children
2,095
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hudson market
$275K → $279K
Hudson median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
Median sold price, Hudson, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the HUDSON 34667 median. See the full Hudson market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13224 NEPTUNE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13224 NEPTUNE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13224 NEPTUNE DRIVE FAQs
What would the monthly payment be for 13224 NEPTUNE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,727/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 13224 NEPTUNE DRIVE?+
The most recent tax bill on record (2025) was $6,119. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hudson?+
At $325,000, this home is listed about 4% below the Hudson median of $338,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13224 NEPTUNE DRIVE?+
Fivay High School (high), Hudson Academy (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$325,000 runs 16% above the HUDSON 34667 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Hudson market that averages 46 — if it fits, move quickly.
Listing courtesy of GULF COAST FISHING HOMES RLTY · GREG Klesius. MLS #W7888333.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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