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Active$427,500
HERNANDO BEACH, FL, 34607
Active$427,500
4
Bedrooms
2
Bathrooms
1,552 sqft
Living Area
1981
Year Built
7,300
Lot Size (sqft)
40
Days on Market
Dock Score™
DockOnlyWhat shaped this score
DockOnly.com rating — not provided by the MLS or listing broker.
AI Aerial Imagery Detection
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.
Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.
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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HERNANDO BEACH, FL, 34607
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
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Dock Score™
DockOnlyWhat shaped this score
DockOnly.com rating — not provided by the MLS or listing broker.
Estimate your monthly payment for this waterfront property
$85,500 down
Estimated payments only. Actual rates and terms may vary.