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Virtually Staged. **Waterfront opportunities like this don't come along often. **
Completely renovated after Hurricane Helene and now offered at nearly **$90, 000 less than the current owners paid just three years ago**, this beautifully updated Gulf-access home represents one of the best waterfront values on Florida's Nature Coast. If you've dreamed of affordable waterfront living without sacrificing modern finishes, peace of mind, or boating access, this is the opportunity you've been waiting for.
Launch your boat from your own backyard and be on the open Gulf of Mexico in minutes. With **direct Gulf access, no bridges, a private dock, and a 10, 000-pound boat lift**, every day can begin with a fishing trip, a cruise to nearby islands, or a sunset ride on the water. From the backyard, enjoy peaceful canal views where dolphins and manatees are frequent visitors.
Inside, this thoughtfully renovated home offers a bright, open layout designed for comfortable everyday living and effortless entertaining. The beautifully updated kitchen features new cabinetry, countertops, stainless steel appliances, a breakfast bar, and an adjoining dining area. Tile flooring flows throughout the home, while the spacious primary suite and en-suite bath have been tastefully remodeled. A dedicated office provides the flexibility today's buyers need for working from home, hobbies, or accommodating overnight guests.
One of the home's standout features is the **435-square-foot finished and enclosed waterfront lanai**. Surrounded by impact windows and overlooking the canal, this incredible space seamlessly expands the home's living area when the glass French doors are opened, creating the perfect setting for entertaining, relaxing with family and friends, or simply enjoying Florida's waterfront lifestyle year-round.
Extensive improvements provide added confidence and value, including a **new roof (2023), elevated HVAC system (2025), updated electrical system, hurricane-impact windows and doors throughout most of the home, renovated bathrooms, and a completely updated kitchen. ** Even better, the home offers the valuable benefit of **assumable flood insurance**, helping make waterfront ownership even more affordable.
Outside, the fully fenced backyard offers plenty of room for pets, entertaining, or adding a future hot tub. A floating dock, spacious garage, and additional concrete parking for a boat or trailer complete the package.
Located in the desirable **Sea Pines** waterfront community, residents enjoy access to a private clubhouse, community park, boat ramp, and community dockāall with **no mandatory HOA fees. ** Just minutes from SunWest Park, local restaurants, shopping, and entertainment, you'll enjoy the perfect blend of convenience and Florida's laid-back coastal lifestyle.
Whether you're searching for a full-time residence, seasonal retreat, or waterfront investment, this home offers an exceptional combination of extensive renovations, direct Gulf boating access, modern upgrades, and outstanding value that's increasingly difficult to find. Come experience the waterfront lifestyle you've always imagined.
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Our Executive Mortgage Banker:
Our Insurance Division:
$375,000
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $300,000 | $300,000 | $300,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $567 | $567 | $567 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,823 | $1,894 | $2,491 |
| Total Monthly Payment | $2,465 | $2,536 | $3,133 |
* 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.