4BD/3BA POOL HOME IN BLUE JAY WOODLANDS WITH PRIVATE SUITE, ENCLOSED BOAT STORAGE, SHARED GULF ACCESS, ROOF/HVAC 2021, FENCED YARD, CORNER LOT. Four bedrooms. A ground-level private suite with its own entrance and full bath. Gulf access with a residents-only community boat ramp 0.1 miles from the front door. Enclosed boat storage built into the property. A transferable (NFIP) flood insurance policy already in place. Saltwater pool on a fully fenced corner lot. There is not one other active 4-bedroom single-family home in Palm Harbor right now. | THE WATER | The community boat ramp is 0.1 miles from the front door with direct Gulf of Mexico access. Enclosed boat parking is built into the property footprint. The boating lifestyle without the waterfront exposure or the waterfront price. | FLOOD INSURANCE: ALREADY SOLVED | An active, transferable NFIP flood policy is in place (Zone AE). In a market where new flood coverage is increasingly difficult and expensive to obtain, this is a concrete financial advantage that conveys at closing. Current annual premium available upon request. | THE LAYOUT | This is a two-story home. Living areas, kitchen, and primary suite are on the upper level. The ground-level suite and flex spaces are below with a private entrance. Floor plans are available in the media section. The layout provides genuine separation between living and guest spaces that a single-story home cannot offer. | STRUCTURAL CONFIDENCE | Roof: 2021 | HVAC: 2021 | Exterior Paint: 2023 | Electrical Panel: Updated. The major capital items have been addressed. | SPACE + THE SUITE | Public record reflects 2,175 heated sq ft. The climate-controlled garage space brings total conditioned area to approximately 2,400 sq ft (buyer to verify; see floor plans). Vaulted ceilings. Dedicated family room. Separate living areas. EV charging installed. The ground-level suite has its own entrance and full bath. In-laws. Adult children. Extended guests. Rental income potential. The space is move-in ready as a suite or can be evaluated for other uses depending on buyer needs. | THE BACKYARD | Private saltwater pool. Covered patio. Fully fenced yard. Mature palms. 7,928 sq ft oversized corner lot with rear balcony access and an enclosed outdoor area purpose-built for boat or toy storage. | LOCATION | 0.5 mi to Pinellas Trail | 3.0 mi to Sunset Beach | 3.9 mi to Fred Howard Park | 3.0 mi to Downtown Palm Harbor | 2.5 mi to Tarpon Springs Sponge Docks | 6.0 mi to Dunedin Zoned: Sunset Hills Elementary (9/10 GreatSchools) | Tarpon Springs Middle | Tarpon Springs High | 2.3 mi to Tarpon Springs Fundamentals Magnet School (application-based) Golf-cart-friendly community. | OPTIONAL HOA | $8/month. Optional, not mandatory. No deed restrictions. Gulf access. Enclosed boat storage. Transferable flood policy. Private suite. Saltwater pool. Updated systems. Corner lot. Optional HOA. No compromises. IMPORTANT: Florida Housing down payment assistance available via TBA Freddie Mac conventional and VA loan programs. Hometown Heroes eligibility anticipated July 2026. Consult your agent or an authorized lender for eligibility details.