Under contract-accepting backup offers. AFFORDABLE WATERFRONT LIVING IN HERNANDO BEACH WITH CHARM, CHARACTER & ROOM TO ENJOY THE OUTDOORS! If you have been looking for a way to live on the water without stepping into the higher waterfront price ranges, this home deserves a closer look. Welcome to 3294 Gardenia Dr., a unique 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. This is not your typical box-style home - it has personality, warmth, interesting spaces & architectural details that give it genuine charm & character. Located on a canal with saltwater access to the Gulf through the nearby community boat lift, you can enjoy the waterfront lifestyle without the direct Gulf access price. Being sold TURNKEY, including furniture, TVs, linens, kitchen items & much more, you can simply unlock the door & start enjoying your new home, making it ideal as a full-time residence, vacation getaway or investment property. 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 & personality. 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. One of the biggest advantages of this property is the amount of space out back. The chain-link fenced backyard offers plenty of room to create the outdoor waterfront retreat you have always wanted with space for a future pool, gazebo, summer kitchen, fire pit, entertaining area or simply room to spread out & enjoy the Florida lifestyle. The backyard also features a seawall, knee wall with steps leading to the floating dock & a downstairs screened porch that is perfect for relaxing after a day on the water. 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. To help simplify the insurance process for buyers, 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. Hernando Beach is one of Florida's hidden gems, known for its boating lifestyle, beautiful sunsets, abundant wildlife, local restaurants & small-town coastal atmosphere. This TURNKEY waterfront home offers an opportunity to get on the water, enjoy a home with real charm & character, have an unusually spacious backyard & start living the Hernando Beach lifestyle at a more attainable waterfront price point.