Welcome to the Palms of Terra Ceia, where this beautifully renovated villa offers comfortable Florida living along with the LOWEST HOA FEES in the community. Inside, you'll find porcelain tile flooring throughout, a redesigned kitchen with solid wood cabinetry, quartz countertops, updated appliances and lighting. Both bathrooms have been modernized, showcasing a spacious walk-in shower in the primary bath with new vanities and fixtures. Additional improvements include a NEW HVAC system in 2024 with smart thermostat, newer water heater, and updated garage door opener and control panel. Unwind in the spacious Florida Room which is also air conditioned for your comfort. The community experienced NO FLOODING during the 2024 hurricane season! Enjoy a relaxed lifestyle with access to golf, tennis, pickleball, clubhouse amenities and social activities. All this plus a convenient location near Terra Ceia Bay, boating, Gulf beaches, restaurants, shopping, parks and area sports venues. Whether you're looking for a full-time home or a Florida getaway, this is a wonderful opportunity to enjoy all that the Terra Ceia area has to offer. Furniture is available separately if desired. This home is FRESH and won't last!! Bring the GOLF CART!