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Waterfront Dream Ranch – Never Flooded | Freshwater Lock System | The Inlets4 Bedroom | 3 Bath Waterfront Pool Home with Private Dock – Premier Boating Community
Welcome to your Florida waterfront retreat in The Inlets, one of the Gulf Coast’s most desirable boating communities. Situated on a premium canal-front lot with 75 feet of protected freshwater frontage, this beautifully updated Key West–style ranch offers high elevation, storm resilience, and low-maintenance waterfront living.
Importantly, this home has never flooded during recent storms, offering the peace of mind today’s waterfront buyers demand. Located on a freshwater lock system, the protected canal provides calm waters and controlled levels — ideal for boating, kayaking, and paddleboarding. Freshwater conditions are also easier on vessels, and I/O engines are exceptionally well cared for in this environment. Even better, seawall maintenance is covered by the HOA, adding long-term value and reduced ownership costs.
The private dock features shore power and water hookup, with lock access leading toward the Manatee River.
Inside, soaring ceilings and abundant natural light highlight the open-concept layout. The updated chef’s kitchen showcases quartz countertops, white cabinetry, tile backsplash, 2024 stainless appliances, gas range, and a bright breakfast nook. The split floor plan offers privacy, anchored by a spacious primary suite with pool and water views, dual custom closets, and a remodeled spa-style bath.
Four sets of sliders open to a screened resort-style lanai, where a sparkling pool with new pavers overlooks serene canal views — designed for seamless indoor-outdoor entertaining.
This home offers extensive storm-ready and energy-efficient upgrades, including a 2018 roof with radiant barrier for improved insulation, impact-rated windows (2023) for added security and protection, a Lennox HVAC system, and a Rinnai tankless water heater (2020). Outdoor improvements include new paver driveway, patio, and pool deck (2025), creating a low-maintenance, luxury exterior finish. Additional enhancements include a fully fenced backyard (2025), a newly added third full bath, EV charging outlet, and electric attic lift and stairs for convenient storage access. These modern mechanical and structural updates provide true move-in ready waterfront living with updated infrastructure and long-term peace of mind. Residents enjoy low HOA fees, no CDD, low-cost flood insurance, tennis courts, waterfront park, kayak launch, and nature trails. Never flooded. High elevation. HOA-maintained seawalls. Protected freshwater boating. Move-in ready waterfront living in one of the area’s premier communities.
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Our Executive Mortgage Banker:
Our Insurance Division:
$955,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $764,000 | $764,000 | $764,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.132% | 6.259% | 6.183% |
| Monthly Tax Payment | $810 | $810 | $810 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $4,519 | $4,642 | $6,447 |
| Total Monthly Payment | $5,421 | $5,544 | $7,349 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.