$439,900
3294 Gardenia Drive
Hernando Beach, FL 34607
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
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
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
- Status: ActiveJun 4, 2026
- Listed$439,900Jun 4, 2026
- 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
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
| Room | Level | Dimensions |
|---|---|---|
| Living Room | Second | 14x16 |
| Kitchen | Second | 13x13.5 |
| Dining Room | Second | 14x10 |
| Primary Bedroom | Second | 14x13 |
| Bedroom 2 | Third | 20x12 |
| Bedroom 3 | Third | 14x11 |
| Bedroom 4 | Third | 13x11 |
| Balcony/Porch/Lanai | Second | 6x14 |
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
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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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.
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