Grandfathered flood insurance (transferrable) that is only $2600 and Pre storm FEMA Appraisal in hand for $1.2m! Nestled within the exclusive Carlouel neighborhood, sits a very well appointed 3 Bedroom / 2 Bathroom home, that is just a short walk to the tranquil and soft sandy shores of the North Beach via private gated access! This beautiful home underwent extensive renovations from 2021 2022. Some of the key features, that set it apart from most other homes in the neighborhood: block construction, open concept floorpan w/vaulted ceilings, secluded courtyard in the front, quaint backyard that can accommodate a spa (pre wired) or a small plunge pool (see renderings), clay tile roof, additional pet/beach shower in Laundry Rm, epoxied two car garage with large driveway, fully operational HVAC (located on roof/attic), electric and plumbing (including natural gas for WH and stove), along with saltless water treatment service. Home suffered damage in Helene, was professionally remediated, and is now awaiting your finishing touches! Walk to Carlouel Yacht Club!