3294 Gardenia Drive, FL
Stellar MLS

$439,900

3294 Gardenia Drive

Hernando Beach, FL 34607

Active
4
Beds
2
Baths
1,552
Sq Ft
0.17
Acres
1981
Built
WaterfrontWater access$283/sqft
Single Family Residence

Property type

1981

Year built

7,300 sqft

Lot size

$283

Price / sq ft

No HOA

HOA dues

1

Day on market

2

Garage spaces

AE

Flood zone

About this home

Turnkey Coastal Opportunity in Hernando Beach Middle -- Offered at 439,900! 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 439,900, this is a great opportunity to own a turnkey waterfront home in Hernando Beach at an attractive price point.

Local Insight

At under $284/sqft for a waterfront property in Hernando Beach, this is priced competitively, but you're buying a 1981 home that will likely need updates—factor in potential roof, plumbing, and electrical work before feeling comfortable with the number. The AE flood zone designation is significant; verify what your actual flood insurance costs will be and whether the home has been elevated or retrofitted, since that can easily add thousands annually to carrying costs. The appeal here is waterfront access on a small lot with no HOA, but the real question is whether you're comfortable with the age, flood risk, and the ongoing maintenance those two factors will demand.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$2,224
Property taxes$423
Home insurance (est.)$202

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

  1. Status: Active
    Jun 4, 2026
  2. Listed$439,900
    Jun 4, 2026
  3. Price increased$439,900

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Hernando Beach
County
Hernando
Year built
1981
Living area
1,552 sq ft
Price/sq ft
$283
Building area
2,588 sq ft (Public Records)
Lot size
7,300 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12053C0281E)
Garage
2 spaces
Annual taxes
$5,071 (2025)
Parcel #
R13-223-16-2350-1120-0100
Zoning
R1B
MLS #
W7886396

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Interior Details

Bedrooms
4
Full bathrooms
2
Flooring
Carpet, Laminate
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Open Floorplan, Solid Wood Cabinets, Stone Counters, Vaulted Ceiling(s)
Laundry
Laundry Room
Stories / Levels
Three Or More
Direction faces
West

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Oversized

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
No Lease Restrictions. Short Term Rentals are Permitted.

Exterior & Construction

Exterior features
Fire Pit
Construction materials
Frame
Roof
Shingle
Foundation
Stilt/On Piling
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available

Schools

ElementaryWestside Elementary-HNGreatSchools ↗
MiddleFox Chapel Middle SchoolGreatSchools ↗
High SchoolWeeki Wachee High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomSecond14x16
KitchenSecond13x13.5
Dining RoomSecond14x10
Primary BedroomSecond14x13
Bedroom 2Third20x12
Bedroom 3Third14x11
Bedroom 4Third13x11
Balcony/Porch/LanaiSecond6x14

Listing Details

Listing date
2026-06-04
On market date
2026-06-04
Original list price
$439,900
Occupant type
Vacant
MLS area
34607 - Spring Hl/Brksville/WeekiWachee/Hernando Bch
Listing AOR
West Pasco
Status changed
2026-06-04
Tax legal description
HERNANDO BEACH UNIT 12 BLOCK 112 LOT 10

Flood risk

High riskFEMA Zone AEPanel 12053C0281E

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Shoal Line Blvd to Hermosa to Left on Gardenia to home on Left Hand Side.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 5, 2026 at 6:53 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA