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TURNKEY WATERFRONT PARADISE WITH DIRECT GULF ACCESS! Experience the ultimate Florida coastal lifestyle in this fully remodeled, Key West style CBS block home with a metal roof. Featuring a sun drenched 3BR/2BA open floor plan with modern tile flooring throughout, the interior boasts a massive great room with water views, and a chef inspired kitchen with custom soft close shaker cabinetry and granite countertops. The private primary suite includes a walk in closet and custom tiled bath. Your private fenced backyard oasis offers a personal sand beach area and built in fire pit. Boaters will love the 100ft wide saltwater canal with rapid, direct access to Charlotte Harbor and the Gulf. The waterfront is fully loaded with a concrete seawall, composite dock, covered boat lift, new aluminum cradles/lift motors, and an underwater snook light system. Upgrades include a new HVAC (2022), shiplap stucco/paint (2023), water heater (2025), metal roof (2018) and a 30 amp RV outlet. NO HOA and NO RESTRICTIONS. Flood Insurance: Current owner pays an active policy premium of $3, 915 annually, which is fully assumable by the buyer at closing for immediate cost savings. Hazard (Homeowners) Insurance: Current owner pays an active policy premium of $2, 904 annually, which is also fully assumable by the buyer to simplify the closing process and lock in verified coastal rates. Roof System: High-durability, wind-resistant Metal Roof installed in 2018. Foundation & Framing: Solid Concrete Block Structure (CBS) built over a poured concrete slab. Exterior Finish: Custom architectural shiplap stucco finish with premium exterior paint completed in 2023. Climate Control: High-efficiency central HVAC system completely replaced in 2022. Water Heating: Energy-efficient hot water heater newly installed in 2025. Electrical Infrastructure: Upgraded main electrical panel box outfitted with an external power riser. Includes a pre-wired direct generator hookup and a dedicated exterior 30-amp outlet configured for an RV or travel trailer. Storm Protection: Upgraded windows supplemented by a complete set of custom-fit hurricane shutters. Flooring: Modern, uniform tile flooring installed seamlessly throughout all 1, 485 square feet of living space—zero carpet. Great Room: open-concept living space maximizing natural light and panoramic canal views. Kitchen Cabinetry: Custom shaker-style wood cabinets equipped with soft-close drawers. Countertops: Premium solid granite countertops paired with an elegant tile backsplash and deep under-mount stainless steel sink. Appliances: Full matching suite of high-end stainless-steel kitchen appliances. Primary Suite: Spacious bedroom layout featuring a large walk-in closet and a fully updated en-suite bathroom with custom glass and tile work. Trim Work: All new interior doors, modern baseboards, and updated casing accents completed in 2025. Furnishings: High-quality coastal/Key West style interior furniture is completely negotiable with the sale of the home. Lot Size: Fully cleared 9, 375 sq ft (0. 22 acre) sub-quarter-acre lot with a low-maintenance shell-rock front yard. Waterway: Situated directly on the wide Lindley Waterway, offering a generous 100-foot-wide canal width for excellent turning basin clearance. Gulf Access: Quick, direct saltwater access out to Charlotte Harbor and the Gulf of Mexico. Seawall: Structural concrete seawall spanning the full 75 linear feet of water frontage. Dockage: Heavy-duty private dock constructed with low-maintenance composite decking. Boat Lift: Covered boat lift structure fully upgraded with brand-new aluminum cradles and new high-torque lift motors. Marine Amenities: Equipped with a specialized green underwater snook light system designed to attract local marine life at night. Backyard Oasis: Fully enclosed by a private perimeter fence, featuring a custom personal sand beach lounge area and a built-in fire pit. HOA Status: Located in an independent residential sector with NO Homeowners Association fees. Deed Restrictions: No mandatory community guidelines, vehicle limitations, or rental constraints. HOPA Status: NO age restrictions. Buyers of any age are welcome to purchase and occupy the property.
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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 | $343,992 | $343,992 | $343,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.512% | 5.866% |
| Monthly Tax Payment | $97 | $97 | $97 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,060 | $2,146 | $2,834 |
| Total Monthly Payment | $2,232 | $2,318 | $3,006 |
* 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.