3294 GARDENIA DRIVE, Hernando Beach, FL, 34607 | $439,900

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.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 1981
  • Garage: 2-car Oversized
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,552
  • Acreage: 0.17
  • Est. Taxes: $5,071
  • Lot Desc: Street Dead-End
  • View: Water
  • Water Front: Yes
  • Elem. School: Westside Elementary-HN
  • Middle School: Fox Chapel Middle School
  • High School: Weeki Wachee High School
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: W7886396
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/W7886396/3294gardeniadrive_hernandobeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/7/2026 9:17:10 AM)
Listing courtesy of RE/MAX ALLIANCE GROUP   Phone: 727-845-4321

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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3294 GARDENIA DRIVE, Hernando Beach, FL, 34607

$439,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $351,920 $351,920 $351,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.500% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.230% 6.650% 5.866%
Monthly Tax Payment $423 $423 $423
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,138 $2,224 $2,899
Total Monthly Payment $2,636 $2,722 $3,397

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.