Enjoy the benefits of a very low HOA ($440/month) with no further assessments or increases, and a fully funded HOA for peace of mind. Lender Incentives: This property can qualify for $0 down FHA program. Preferred lender is offering a $2500 credit to the buyer and a 1-2 point interest rate buy-down for qualifying buyers with free re-fi when rates drop ($3500 Value)! Ask for more details! Introducing a remarkable 3-bedroom, 3-bathroom waterfront property in the luxurious gated community of Seaside Estates, designed to withstand the fiercest storms. This home has unfazed through two major hurricanes thanks to its up-to-code construction, ensuring safety and peace of mind for waterfront living. Experience breathtaking views of Old Tampa Bay and enjoy deeded boat dock access without the worry of high flood insurance—current premiums are under $1K/year and fully transferable. Spanning 1,834 sq ft, this spacious haven features an open-concept living area adorned with elegant cherry wood cabinetry, luxurious granite countertops, and stainless steel appliances. Sliding glass doors lead to a magnificent deck, ideal for morning coffee amidst serene waters and beautifully maintained gardens. The top floor showcases vaulted ceilings and three skylights, bathing the space in natural light. The master suite includes a private waterfront deck, two walk-in closets, and a lavish en-suite bathroom with dual sinks, a modern shower, and a soaking tub. Additional highlights include an oversized 3-car garage, two expansive decks, and direct access to your private boat dock equipped with water and electricity. Enjoy cost-effective living with an average electric bill under $75/month. Other features include plantation shutters, custom closets, hardwood floors, remote-controlled fans, and a centralized vacuum system. Conveniently located in charming Oldsmar, you're just 20 minutes from two international airports and a short drive from stunning St. Pete and Clearwater Beaches. Explore the natural beauty of parks and Oldsmar Marsh while benefiting from top-rated schools and abundant recreational activities. Seaside Estates offers resort-style amenities, including a pool with a cabana, hot tub, park, and tennis/pickleball courts, all within a friendly, pet-welcoming, family-oriented community. Don’t miss this opportunity to own your slice of paradise in Oldsmar—where every day feels like a vacation! Your dream waterfront lifestyle awaits! Important Buyer Information: Included in the attachments are valuable documents to help buyers save money and make informed decisions, including: Elevation Certificate Recent Utility Bills Roof Inspection Report Transferable Flood Insurance Policy Updates and Upgrades List Detailed Floor Plans and more