NO HOA, NO CDD, NO FLOOD INSURANCE REQUIRED!! Roof age (2017 & 2023 ROOF OVER THE MAIN PART OF THE HOME REPLACED IN 2017, ROOF REPLACED OVER THE ADDITIONS IN 2023), AC (2018), Water heater (2016), Water softener (2019), Washer/Dryer (2022). ALL windows and garage and rated for hurricane impact. This beautiful three-bedroom, two-bathroom home offers the perfect blend of timeless charm and modern convenience in an unbeatable location with no flood insurance required and no HOA fees. As you arrive, a zero-scaped tropical oasis with a majestic 50-foot Bismark Palm creates stunning curb appeal. Step inside through the etched glass door to an inviting living space featuring wood-look ceramic tile flooring, vaulted ceilings, and cozy plantation shutters. The gourmet kitchen boasts soft LED lighting, quartz countertops, stainless steel appliances, and soft-close cabinetry. The spacious primary suite includes a walk-in closet and an updated ensuite bath, while the massive 13' x 27' second bedroom offers endless possibilities as a second master, office, playroom, or studio. The living room features gorgeous french doors that lead outside to a screened-in patio with a tropical ceiling fan overlooking a private, fenced-in yard with a storage shed. Located just 1.5 miles from Philippe Park with a public boat ramp and bay views, this home is also minutes from downtown Safety Harbor's restaurants, shops, and festivals. Meticulously maintained and completely move-in ready, this home is a rare find in an exceptional location. Schedule your tour today! All measurements are approximate, Buyer must perform their own due diligence.