Priced below avm | $10,000 rate buydown | flood zone x500 | $1,635/yr insurance while buyers across pinellas county are getting crushed by insurance quotes and flood zone surprises, this home already has your answers before you even walk through the door. Built in 2019 and loaded with recent updates, this exceptional 5 bedroom, 4 bathroom pond view estate offers 3,456 sq ft of thoughtfully designed living space with a rare 3 car tandem garage in the heart of tarpon springs. Flood zone x500 means no mandatory flood insurance, and the owner's policy was renewed in april 2026 at $1,635/year for homeowners insurance, plus a low $110/month hoa fee. Your monthly carrying costs will genuinely surprise you. Inside, soaring high ceilings and tray ceilings frame an open concept kitchen and living area designed for everyday living and effortless entertaining. The formal dining room adds an elegant touch, while the kitchen shines with brand new stainless steel appliances (2023). Fresh interior paint (2026) means everything feels crisp and move in ready from day one. The upstairs primary suite is a true retreat, complete with a spa inspired en suite bath. But what truly sets this home apart is the second primary suite on the main floor with its own private en suite bathroom and washer/dryer hookup. Perfect for multigenerational living, in law quarters, or a live in guest suite. Very few homes in this price range have this kind of flexibility. Major ticket items are already handled: new roof (2025), new ac, new washer and dryer (2023), and new refrigerator (2023). Nothing to do but move in. Step outside to serene pond views that deliver florida's signature golden hour backdrop with zero side neighbors privacy and tranquility without the waterfront price tag. And with a $10,000 seller paid rate buydown, you can stop waiting for the fed to make your move. Your rate relief is already on the table. In today's gulf coast market, this isn't just a listing it's a solution. Schedule your showing before this one finds its buyer. 5 bd | 4 ba | 3,456 sqft | 3 car tandem garage | pond view | built 2019 | hoa $110/mo | flood zone x500