CHARMING TURNKEY COASTAL COTTAGE-STYLE WATERFRONT HOME IN HERNANDO BEACH MIDDLE - NOW OFFERED AT $429,900! Welcome to 3294 Gardenia Dr., a beautifully priced waterfront opportunity in the quaint coastal community of Hernando Beach, where boating, fishing, golf cart rides, local restaurants & laid-back Nature Coast living are part of everyday life. This home has the feel of a cozy coastal cottage with the space, storage & waterfront setting buyers are looking for. Located in Hernando Beach Middle, this property offers saltwater access to the Gulf through the nearby community boat lift, giving you the chance to enjoy waterfront living without the direct-access price point. Even better, this home is being sold turnkey with furniture, TVs, linens & more, making it ideal as a full-time residence, vacation getaway or potential rental/investment property. The main living area features a comfortable open floor plan with the kitchen, dining & living room flowing together nicely. The kitchen offers wood cabinetry, granite countertops, stainless steel appliances & a breakfast bar, while wood beams on the ceiling add character, charm & warmth to the space. The home is advertised as a 4 bedroom layout, with the main-level primary-style room measuring approximately 13x14 & featuring an attached bathroom plus a private screened porch with all new screening & vinyl on the windows. Please note this room does not have a closet. Upstairs, you will find 3 additional bedrooms & a guest bathroom, including a spacious 20x12 bedroom with room for a sitting area, a walk-in closet & a private balcony. The laundry room includes a GE 2022 full-size stackable washer & dryer. Outdoor living is a major highlight with a chain-link fenced backyard, seawall, knee wall with steps down to the floating dock & 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, perfect for relaxing in the shade after a day on the water. The oversized 29x27 garage offers excellent space for vehicles, storage, tools, kayaks, paddleboards, fishing gear & all your waterfront toys. Important updates include a 2020 HVAC system & a 2018 three-dimensional roof, adding value & 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 & small-town coastal feel. At $429,900, this is a truly inviting opportunity to own a turnkey waterfront cottage-style home in Hernando Beach at a price that makes waterfront living feel within reach.