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3294 GARDENIA DRIVE

House For Sale
$425,000

BTC: 6.61478599

ETH: 223.37383846

-$15K (2026/07/27)
58 days
Waterfront
4 bds
2 ba
1,552 sqft

Overview

PRICE IMPROVEMENT TO 425,000… TURNKEY WATERFRONT COTTAGE WITH ATTRACTIVE INSURANCE QUOTES & INSURANCE INSPECTIONS ALREADY COMPLETED! 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 help simplify the insurance process for buyers, insurance 4-Point & Wind Mitigation Inspections have already been completed, along with a current primary residence homeowners & wind insurance quote of approximately 2,805 per year & a current primary residence flood insurance quote of approximately 2,269.05 per year. 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. Offered at 425,000, this fully turnkey waterfront home combines exceptional value, attractive insurance quotes, completed insurance inspections & the relaxed coastal lifestyle buyers are searching for.

Location

Details

Type:
Residential
Parking:
Oversized
Year Built:
1981
Lot:
0.17 Acres
Heating:
Central / Electric
Price/sqft:
$274
Cooling:
Central Air
HOA:
No Data

Valuation

Our model vs. what's actually selling nearby.
Estimate
$367,500
$247K – $436K
Confidence Low
List vs. estimate
$57K above estimate
List $425,000 · +15.6%
Our model says this listing is priced above recent comparable activity. Room to negotiate.
Price per sq ft
$273
-23.8% vs. city median $359
Based on
10 MLS comparables
Median of recent comparable listings. Sold comps use closing price, active listings use list price.

Highlights

Annual tax
$5,071
2025
View
Water
Waterfront
Canal - Brackish
Garage
2 car garage
Furnished
Turnkey
All facts and features
  • Flooring

    • Carpet

    • Laminate

    Heating

    • Central

    • Electric

    Cooling

    • Central Air

    Appliances

    • Dishwasher

    • Dryer

    • Microwave

    • Range

    • Refrigerator

    • Washer

    Other interior features

    • Open Floorplan

    • Solid Wood Cabinets

    • Stone Counters

    • Vaulted Ceiling(s)

    Bedrooms and bathrooms

    • Bedrooms: 4

    • Full bathrooms: 2

  • Parking

    • Oversized

    Property

    • Levels: Three Or More

    • Exterior Features: Fire Pit

    Lot

    • Lot: 0.17 Acres

    Other Property Information

    • Parcel Number: R1322316235011200100

    • Zoning: R1B

  • Type and style

    • Property Type: Residential

    • Property Sub Type: Single Family Residence

  • Utility

    • BB/HS Internet Available

    • Cable Available

  • Other financial information

    • Annual tax amount: $5,071

  • Source details

    • MLS ID: W7886396

    Other facts

    • Construction Materials: Wood Frame

    • Foundation Details: Stilt/On Piling

    • Laundry Features: Laundry Room

    • Lot Features: Street Dead-End

    • Patio And Porch Features: Deck / Rear Porch / Wrap Around

    • Direction Faces: West

    • Waterfront: Yes

    • Water Body Name: GULF

    • Garage Spaces: 2

    • Attached Garage: Yes

    • Garage: Yes

    • Living Area: 1552

    • Water Source: Public

    • Subdivision Name: HERNANDO BEACH

Private inquiry
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The multiple listing information is provided by the Stellar MLS from a copyrighted compilation of listings. The compilation of listings and each individual listing are ©2026-present Stellar MLS. All Rights Reserved. The information provided is for consumers' personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale or withdrawal. All information provided is deemed reliable but is not guaranteed accurate, and should be independently verified. Listing courtesy of: RE/MAX ALLIANCE GROUP