Loading...
Loading...
$429,900
Beds
4
Baths
2
Sq Ft
1,552 sq ft
Year Built
1981
Lot Size
0.17 acres
Garage
2
CHARMING TURNKEY COASTAL COTTAGE-STYLE WATERFRONT HOME IN HERNANDO BEACH MIDDLE — NOW OFFERED AT $429,900! Welcome to 3294 Gardenia Dr., a beautifully priced waterfront opportunity in the quaint coastal community of Hernando Beach, where boating, fishing, golf cart rides, local restaurants & laid-back Nature Coast living are part of everyday life. This home has the feel of a cozy coastal cottage with the space, storage & waterfront setting buyers are looking for. Located in Hernando Beach Middle, this property offers saltwater access to the Gulf through the nearby community boat lift, giving you the chance to enjoy waterfront living without the direct-access price point. Even better, this home is being sold turnkey with furniture, TVs, linens & more, making it ideal as a full-time residence, vacation getaway or potential rental/investment property. The main living area features a comfortable open floor plan with the kitchen, dining & living room flowing together nicely. The kitchen offers wood cabinetry, granite countertops, stainless steel appliances & a breakfast bar, while wood beams on the ceiling add character, charm & warmth to the space. The home is advertised as a 4 bedroom layout, with the main-level primary-style room measuring approximately 13x14 & featuring an attached bathroom plus a private screened porch with all new screening & vinyl on the windows. Please note this room does not have a closet. Upstairs, you will find 3 additional bedrooms & a guest bathroom, including a spacious 20x12 bedroom with room for a sitting area, a walk-in closet & a private balcony. The laundry room includes a GE 2022 full-size stackable washer & dryer. Outdoor living is a major highlight with a chain-link fenced backyard, seawall, knee wall with steps down to the floating dock & 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, perfect for relaxing in the shade after a day on the water. The oversized 29x27 garage offers excellent space for vehicles, storage, tools, kayaks, paddleboards, fishing gear & all your waterfront toys. Important updates include a 2020 HVAC system & a 2018 three-dimensional roof, adding value & 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 & small-town coastal feel. At $429,900, this is a truly inviting opportunity to own a turnkey waterfront cottage-style home in Hernando Beach at a price that makes waterfront living feel within reach.
Shoal Line Blvd to Hermosa to Left on Gardenia to home on Left Hand Side.
3294 GARDENIA DRIVE, HERNANDO BEACH, FL 34607
Pick a Day
Preferred Time
Home Price
$429,900
Loan Term
Multiple financing options available for this $429,900 home in HERNANDO BEACH.
🏦
$21,495 Down
Traditional financing. As low as 3-5% down with good credit.
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
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 11, 2026.
Active$450,000
1578 INDIAN BAY ROAD
SPRING HILL, FL 34607
Active$399,999
8431 DELAWARE DRIVE
WEEKI WACHEE, FL 34607
Active$349,000
7091 WESTWIND STREET
WEEKI WACHEE, FL 34607
Active$414,999
7149 SPRUCE DRIVE
WEEKI WACHEE, FL 34607