This waterfront home on Blackwater Bay is exceptional because it's simply beautiful. You will find insurance under $5000 a year which is incredible for any home, let along waterfront living. No flood insurance required by lender. The home has endless upgrades like an elevator, geothermal system, all new flooring, fresh paint, plus a mother in law suite perfect for multi-generational living! Experience luxury waterfront living in this beautifully remodeled 5-bedroom, 3.5-bathroom home featuring high-end finishes and modern updates throughout. Step inside to discover 8' doors, all-new lighting, and custom blinds, complemented by a formal dining room perfect for entertaining. The gourmet kitchen boasts custom hickory cabinets, a Thermador hood, Z Line gas range, and a spacious Butler’s Pantry. The master suite is a private retreat with a fully remodeled bath, open shower, and a freestanding tub. A geothermal water heater efficiently serves the main floor. An elevator conveniently connects to the ground floor, which features three bedrooms, including a Jack-and-Jill suite and a private guest suite with a full kitchen and ice maker. Access to both garages (with epoxy floors) is located on this level. Outside, enjoy peace of mind with functional shutters, Kevlar hurricane protection, and a Circular Driveway. The rear Screened In Porch was recently upgraded with Fine Screen. An irrigation system keeps the landscaping pristine. For boating enthusiasts, the private 95' dock includes a 6,000 lb lift housed in a 30 x 10 Covered Slip, vinyl seawall, filet station, Peace of mind included since you're buying the neighboring lot as well! With a new roof and thoughtful upgrades throughout, this exceptional home is move-in ready. Insurance is currently under $5000. Don’t miss the opportunity to make this waterfront paradise yours! Schedule your private tour today!