Beds
4
Baths
2
Sq Ft
1,552 sq ft
Year Built
1981
Lot Size
0.17 acres
Garage
2
About This Property
Turnkey Coastal Opportunity in Hernando Beach Middle -- Offered at 429,900! Welcome to 3294 Gardenia Dr., a beautifully priced waterfront home in the quaint coastal community of Hernando Beach, where boating, fishing, golf cart rides, local restaurants, and laid-back Nature Coast living are all part of the lifestyle. Located in Hernando Beach Middle, this property offers saltwater access to the Gulf through the nearby community boat lift, giving you the opportunity to enjoy waterfront living without the direct-access price point. This home is being sold turnkey with furniture, TVs, linens, and more, making it ideal as a full-time residence, vacation getaway, or potential rental/investment property. The main living area features an open floor plan with the kitchen, dining, and living room flowing together comfortably. The kitchen offers wood cabinetry, granite countertops, stainless steel appliances, and a breakfast bar, while wood beams on the ceiling add character and warmth to the living space. The home is advertised as a 4 bedroom layout, with the main-level primary-style room measuring approximately 13x14 and featuring an attached bathroom plus a private screened porch with all new screening and vinyl on the windows. Please note this room does not have a closet. Upstairs, you will find three additional bedrooms and a guest bathroom, including a spacious 20x12 bedroom with room for a sitting area and a walk-in closet + private balcony. Laundry Room has GE 2022 Full Sized stackable Washer and Dryer. Outdoor living is a major highlight. Enjoy a chain-link fenced backyard, seawall, knee wall with steps down to the floating dock, and plenty of room to create your own coastal retreat with a fire pit area, summer kitchen, gazebo, or pool. There is also a downstairs screened porch for relaxing in the shade after a day on the water. The oversized 29x27 garage provides excellent space for vehicles, storage, tools, kayaks, paddleboards, fishing gear, and all your waterfront toys. Important updates include a 2020 HVAC system and a 2018 three-dimensional roof, adding value and peace of mind. Hernando Beach is one of the Nature Coast's most charming waterfront communities, known for its canals, boating lifestyle, nearby Gulf access, sunsets, local restaurants, and small-town coastal feel. At 429,900, this is a great opportunity to own a turnkey waterfront home in Hernando Beach at an attractive price point.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Shoal Line Blvd to Hermosa to Left on Gardenia to home on Left Hand Side.
Location
3294 GARDENIA DRIVE, HERNANDO BEACH, FL 34607
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $429,900 home in HERNANDO BEACH.
🏛️
FHA Loan
$15,047 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$21,495 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hernando County SHIP
Varies
Income-qualifying Hernando residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 4, 2026.