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Imagine starting your mornings with coffee overlooking the water and ending your days by boat at the Harbor—this Gulf-access waterfront home makes it possible.
Situated on the Ackerman Waterway with just one bridge to open water, this charming and beautifully updated 2-bedroom, 2-bath home offers 1, 245 sq. ft. under air plus additional outdoor living space, all with no deed restrictions or HOA to limit your lifestyle. From the moment you arrive, the home’s beautiful curb appeal and friendly waterfront neighborhood set the tone. Inside, there is no carpet anywhere—only fresh laminate flooring, terrazzo tile baths, and all-new interior doors that give the home a clean, modern feel. The open, fully remodeled kitchen is the heart of the home, featuring warm wood cabinetry, granite countertops, pull-out pantry drawers, and all-new stainless steel appliances less than a year old—perfect for both everyday living and entertaining. The enclosed, vented, tiled Florida room extends your living space and invites you to relax while enjoying water views, built-in shelving, and natural light. Just beyond, a spacious screened lanai with no-see-um screening creates the ideal spot for evening breezes and outdoor gatherings. Outside, boating enthusiasts will love the 10x22 wood dock, redone in 2015 with wrapped pilings for longevity, offering quick access to the Harbor and Gulf beyond. An exterior utility sink, plus a shed with electric, water, and an outdoor shower, add exceptional functionality for waterfront living. Practical upgrades bring peace of mind, including a new roof (2023), 2017 A/C system, updated electric panel (2012), hot water heater under one year old, and a septic system inspected and pumped in 2025. Flood insurance is assumable and under $3, 000 per year. The 20x20 garage includes extra workspace and storage, a ceiling fan, and a built-in workbench, while the interior utility room offers abundant cabinetry, a utility sink, and even a built-in ironing board. Washer and dryer (new in 2025) are included, and furniture is negotiable—making this home truly move-in ready. This is more than a house—it’s a waterfront lifestyle with freedom, comfort, and direct Gulf access.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
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Our Executive Mortgage Banker:
Our Insurance Division:
$319,900
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $255,920 | $255,920 | $255,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $142 | $142 | $142 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,413 | $1,514 | $2,041 |
| Total Monthly Payment | $1,630 | $1,731 | $2,258 |
* 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.