No hoa, no cdd, no flood insurance required!! Roof age (2017 & 2023 roof over the main part of the home replaced in 2017, roof replaced over the additions in 2023), ac (2018), water heater (2016), water softener (2019), washer/dryer (2022). All windows and garage and rated for hurricane impact. This beautiful three bedroom, two bathroom home offers the perfect blend of timeless charm and modern convenience in an unbeatable location with no flood insurance required and no hoa fees. As you arrive, a zero scaped tropical oasis with a majestic 50 foot bismark palm creates stunning curb appeal. Step inside through the etched glass door to an inviting living space featuring wood look ceramic tile flooring, vaulted ceilings, and cozy plantation shutters. The gourmet kitchen boasts soft led lighting, quartz countertops, stainless steel appliances, and soft close cabinetry. The spacious primary suite includes a walk in closet and an updated ensuite bath, while the massive 13' x 27' second bedroom offers endless possibilities as a second master, office, playroom, or studio. The living room features gorgeous french doors that lead outside to a screened in patio with a tropical ceiling fan overlooking a private, fenced in yard with a storage shed. Located just 1. 5 miles from philippe park with a public boat ramp and bay views, this home is also minutes from downtown safety harbors restaurants, shops, and festivals. Meticulously maintained and completely move in ready, this home is a rare find in an exceptional location. Schedule your tour today! All measurements are approximate, buyer must perform their own due diligence.