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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only — not for navigation. Full MLS Compliance

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+20

3294 GARDENIA DRIVE

HERNANDO BEACH, FL, 34607

Active

$427,500

3294 GARDENIA DRIVE

HERNANDO BEACH, FL, 34607

Active

$427,500

4

Bedrooms

2

Bathrooms

1,552 sqft

Living Area

1981

Year Built

$427,500Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map — verify navigability with a local captain or surveyor before relying on it.

7,300

Lot Size (sqft)

40

Days on Market

Dock Score™

DockOnly
62
Good

What shaped this score

✓Dock with boat lift
✓Canal
✓Bridge-free to ocean
✓Limited boat size

DockOnly.com rating — not provided by the MLS or listing broker.

Dock & Water AccessMLS

Canal - Brackish

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected~15-21 ft dock

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

PRICE IMPROVEMENT TO $427,500... TURNKEY WATERFRONT COTTAGE WITH SELLER PAID FIRST YEAR OF PRIMARY FLOOD INSURANCE! Opportunities like this don't come along often in Hernando Beach. Welcome to 3294 Gardenia Dr., a charming coastal cottage-style waterfront home in Hernando Beach Middle where boating, fishing, golf cart rides, waterfront restaurants & the laid-back Nature Coast lifestyle become part of everyday living. Located on a canal with saltwater access to the Gulf through the nearby community boat lift, this home offers the waterfront lifestyle buyers dream about without the direct Gulf access price. Being sold TURNKEY, meaning the furniture, TVs, linens, kitchen items & much more are included, you can simply unlock the door & start enjoying your new home, making it ideal as a full-time residence, vacation getaway or investment property. To make the transition even easier, the seller is paying the buyer's first year of flood insurance, & there is a current quote for homeowners & wind insurance of approximately 2,805 per year, providing added peace of mind. The open floor plan features the kitchen, dining & living areas flowing together with wood cabinetry, granite countertops, stainless steel appliances, a breakfast bar & beautiful wood beam ceilings that add warmth & coastal charm. The home is advertised as a 4-bedroom layout with the main-level primary-style room measuring approximately 13x14 featuring an attached bathroom & private screened porch with all-new screening & vinyl windows (please note this room does not have a closet). Upstairs are 3 additional bedrooms & a guest bathroom, including an oversized 20x12 bedroom with a walk-in closet, room for a sitting area & its own private balcony. The laundry room includes a 2022 GE full-size stackable washer & dryer. Outside, enjoy a chain-link fenced backyard, seawall, knee wall with steps leading to the floating dock & plenty of room to create your own outdoor retreat with a pool, gazebo, summer kitchen or fire pit. A downstairs screened porch offers the perfect place to relax after a day on the water, while the oversized 29x27 garage provides exceptional storage for vehicles, kayaks, paddleboards, fishing gear & all your waterfront toys. Important updates include a 2020 HVAC system & a 2018 dimensional roof. Hernando Beach is one of Florida's hidden gems, known for its boating lifestyle, beautiful sunsets, abundant wildlife, local restaurants & small-town coastal atmosphere. At just 427,500, with the home being sold fully turnkey, the seller paying the first year of primary flood insurance & attractive insurance costs already quoted, this is an exceptional waterfront value that buyers won't want to miss.

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Location

HERNANDO BEACH, FL, 34607

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc. — Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of RE/MAX ALLIANCE GROUP via Stellar MLS

Last updated: 7/14/2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Dock Score™

DockOnly
62
Good

What shaped this score

✓Dock with boat lift
✓Canal
✓Bridge-free to ocean
✓Limited boat size

DockOnly.com rating — not provided by the MLS or listing broker.

FEMA Flood Zone AE
BFE: 12ft

Special Flood Hazard Area

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$85,500 down

%
Principal & Interest$2,218/mo
Property Tax (est. ~1.2%, varies by county)$428/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$2,896
Loan Amount: $342,000Rate: 6.75%
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Estimated payments only. Actual rates and terms may vary.

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