Welcome to a truly special waterfront residence with NO HOA, overlooking Tampa Bay and the iconic Sunshine Skyway Bridge. This property not only offers breathtaking views and modern updates but also includes an assumable flood insurance policy at just $3,000 per year—and notably, the home has never flooded, including during the hurricanes of 2024, reflecting its elevated design and superior construction. Perfectly positioned on a .32-acre lot with approximately 90 feet of water frontage, this home captures the best of Florida’s coastal lifestyle—panoramic views, spectacular sunsets, and daily visits from dolphins and sea life right outside your door. From the moment you arrive, the attention to quality and sustainability is clear, showcasing fresh modern exterior paint, brand-new sod and lush landscaping, a standing seam metal roof (2020), new irrigation system (2025), solar panels with battery backups (2022) keeping the average electric bill around $35 per month, and hurricane-impact windows and sliding glass doors (2022) providing peace of mind and protection. The newer seawall & cap, and brand-new marine-grade composite dock extend gracefully into the bay, offering the perfect launch point for boating, fishing, or simply relaxing on the water, with space ready for a boat or jet ski lift if desired. Inside, this 4-bedroom, 2.5-bath home spans 3,062 square feet with a bright, open layout and vaulted ceilings that fill the home with natural light and capture sweeping water views from nearly every room. The layout offers an ideal canvas for personalization—a solid, elevated structure with the opportunity to update finishes to your taste while benefiting from all the major investments already made. The spacious primary suite opens directly to the pool deck and water views, while the additional bedrooms provide flexible space for guests, a home office, or a workout room. Outside, enjoy a sparkling saltwater pool with a gas-heated spillover, surrounded by a brick paver pool deck and large covered lanai perfect for outdoor entertaining. Additional upgrades include a natural gas water heater (2023), dual A/C units with UV filtration, and a new irrigation system (2025). The expensive heavy lifting is done – move in and make it your own. Ideally located near the Skyway Bridge for quick access to Bradenton and Sarasota, and just a short drive to downtown St. Petersburg, Fort De Soto, and the Gulf beaches, this exceptional property offers the perfect blend of modern efficiency, lasting quality, and breathtaking waterfront living.