$425,000

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 &… Read More 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. Read Less

Courtesy of Sharie L. Oakland PA, REMAX Alliance Group 352-596-9999

Listing Snapshot | Source HomeJunction

Days Online

Last Updated

Sep 12, 2026

Property Type

Single Family Residence

Beds

Full Baths

Lot Size

0.17 Acres

Year Built

1981

MLS Number

2259366

Additional Details | Source HomeJunction

Property Access

Frontage Type: County Road, Road Surface: Paved

Appliances & Equipment

Dishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked

Building

Built in 1981, Building faces West, Levels: Three Or More, Construction Materials: Frame

Cooling

Central Air

Exterior Features

Patio/Porch Features: Deck, Rear Porch, Dock

Garage

2 spaces

Heating

Central, Electric

Interior Features

Breakfast Bar, Ceiling Fan(s), Open Floorplan, Split Bedrooms

Lot

0.17 acres, Dimensions: 73x100, Dead End Street

Parking

Attached, Garage

Property

Water

Roof

Shingle

Sewer

Public Sewer

Taxes

Parcel Number: R13 223 16 2350 1120 0100, Annual Amount: $5,071.09, Tax Block: 1120, Legal Description: Hernando Beach Unit 12 Block 112 Lot 10, Lot: 010, Year: 2025, Zoning: R1B, Zoning description: Residential

Utilities

Cable Available, Water Source: Public

Water Features

Seawall, Indirect Gulf Access, Waterfront Community

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3294 Gardenia Drive

Hernando Beach, FL 34607

Listing Snapshot | Source HomeJunction

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