Energy-efficient, move-in ready 3-bedroom, 2-bathroom concrete block home with a bonus flex room, covered carport, NO HOA, and NO CDD in Temple Terrace, FL 33617. Sitting in Flood Zone X, so flood insurance is not required by most lenders. The expensive stuff is already handled here: the solar panels will be fully PAID OFF with no lease to assume, no loan to inherit and they keep the monthly electric bill down to an average of $20 monthly. The HVAC was replaced in 2021, the electrical was updated in 2019, and double-pane insulated windows were installed in 2012 for energy efficiency, sound reduction, and lower utility costs year-round. Low cost of ownership isn’t a buzzword here, it’s the whole setup: no HOA dues, no CDD fees, a minimal electric bill, no flood insurance requirement, and updated major systems in a solid block construction mid-century home built in 1956. Inside, durable luxury vinyl plank (LVP) flooring runs throughout for easy maintenance with no carpet to babysit. The living room connects to the dining room and kitchen at the center of the home for an easy everyday flow, and an interior laundry area keeps laundry day inside where it belongs. The primary bedroom includes a walk-in closet and en-suite primary bathroom, while two additional bedrooms with closets share a second full bathroom. Then there’s the flex room: a separate bonus space near the kitchen and laundry that could become a true 4th bedroom with little more than the addition of a closet or serve as a home office, guest room, nursery, playroom, craft room, home gym, or library, depending on your plot line. Outside, a covered front patio handles morning coffee and evening breezes, and the 11×17 covered carport keeps your car out of the Florida sun. With no HOA, there’s no extra rulebook or monthly bill attached to your own home. The location earns its keep: minutes from the University of South Florida (USF), AdventHealth Tampa, Moffitt Cancer Center, Busch Gardens, Adventure Island, and the Temple Terrace Golf & Country Club, with parks, trails, and kayak launches along the Hillsborough River and the Temple Terrace Family Recreation Complex nearby. Everyday shopping and dining sit along 56th Street and Fowler Avenue, and commuters get quick access to I-75 and I-275. Downtown Tampa and Ybor City are about 15 minutes away, with Tampa International Airport roughly 25. First-time buyers, downsizers, medical professionals, and investors take note: this pocket of Hillsborough County stays in steady demand thanks to the USF and hospital corridor. A well-kept Temple Terrace home with modern systems, real energy savings, flexible space, and none of the monthly fees.