One of the most affordable homes in sought-after MiraBay! Built in 2021, this beautifully maintained coastal cottage offers resort-style living, low-maintenance ownership, and flexible seller financing—all within one of Apollo Beach's premier waterfront communities. Whether you're a retiree looking to downsize without sacrificing lifestyle, a family seeking a welcoming community and easy living, or an investor searching for strong long-term rental potential, this home checks all the boxes. Built in 2021 and offering modern construction, low-maintenance living, and exceptional value, this beautifully maintained 3-bedroom, 2-bath home with a 2-car garage is the perfect fit for anyone looking for an affordable waterfront community. Situated on a peaceful greenbelt lot, this 1,806-square-foot home features a thoughtfully designed floor plan, plantation shutters throughout, and comfortable living spaces ideal for both everyday living and entertaining. At just five years new, you'll enjoy the benefits of newer construction without the wait of building. One of the standout advantages is the low-maintenance lifestyle. HOA services include landscape maintenance as well as interior and exterior water service, allowing you to spend less time on upkeep and more time enjoying everything MiraBay has to offer. Residents enjoy access to MiraBay's impressive resort-style amenities, including a clubhouse, fitness center, pools, tennis and pickleball courts, parks, walking trails, resident's only boat ramp and a vibrant calendar of community events. Conveniently located near shopping, dining, waterfront recreation, and major commuter routes, this home offers an exceptional blend of comfort, convenience, and community. Don't miss this rare opportunity to own in MiraBay at a price point seldom available in one of Apollo Beach's most sought-after neighborhoods. SPECIAL REMARKS: **Built in 2021**HOA includes water (interior/exterior) AND landscape maintenance**CDD assessment is included in annual tax bill amount shown**No flood insurance claim history or flood damage**Gated community**Resort-style amenities**Greenbelt view**SELLER FINANCING AVAILABLE for qualified buyers! Skip the bank and enjoy flexible financing options and a competitive interest rate.**LISTING AGENT IS OWNER