Is your New Year's resolution to live on the water and boat to the bay—all from your own backyard? Accomplish this goal before 2024 with this incredible opportunity! Priced to sell and listed below appraised value—bring all offers! Welcome to your Florida oasis in the picturesque MiraBay community! This Key West-style waterfront home combines coastal charm and everyday convenience, ideal for kayaking, paddle boarding, jet skiing, or cruising the bay with your boat (up to 17 feet)—all from your private dock. The spacious home features 4 bedrooms, an office/den, a loft, and 3.5 bathrooms—perfect for relaxation and entertaining. The private first-floor master suite offers direct access to the screened pool and lush landscaped yard, including large side yards and a fenced, turfed area ideal for gardening or play. Pool access is also available from the kitchen, living room, and half bath, ensuring no wet toes in the main living areas! The heart of the home is the chef’s kitchen with stainless steel appliances, opening to a light-filled living room with soaring ceilings, a gas fireplace with built in shelving and access to the and expansive covered patio through a wall of french doors, creating seamless indoor-outdoor living. Recent updates, including new landscaping, and fresh interior & exterior paint, updated bamboo flooring throughout the home, reverse osmosis, water softener, remodeled pool bath, a new roof (2022), HVAC (2023), solar panels (2024), help keep maintenance low and energy bills affordable (averaging $255/month!). Full list of upgrades and improvements available upon request. Upstairs, there are three additional bedrooms, a Jack and Jill bathroom, another full bath, and a versatile loft. The home has been meticulously maintained and offers opportunities for light cosmetic updates to make it your own. MiraBay offers resort-style amenities: clubhouse, 24-hour fitness center, 2 heated pools (with water slide, lap lanes and a beach entry section), a cafe, tennis, pickleball and basketball courts, boat ramps, kayak, canoes and paddleboards available to residents, playgrounds, café, community events, and special interest clubs all for a low $157/year HOA fee in this vibrant social community. This golf cart-friendly neighborhood allows easy access to MiraBay Village, which features dining establishments, a grocery store, a dry cleaner, a nail salon, and a hair salon, among other amenities. You will be conveniently located near some of the most beautiful beaches in Tampa Bay. Downtown Tampa and Tampa International Airport are less than 25 miles away This property also comes with a LOW ASSUMABLE flood insurance policy at just $843/year—saving thousands compared to a new policy (quoted over $7K annually!). Additionally, there is a 1% closing cost credit or interest rate buy down available when partnering with the seller's preferred lender. Whether you're looking for a primary residence or a second home to escape cold winters, this MiraBay gem is ready to welcome you home! ** Note CDD Tax is included in the Total Tax listed **No history of flooding, even during recent hurricanes**