FULLY TRANSFERRABLE FLOOD INSURANCE through FEMA until 11/27/2027 – offering peace of mind and major savings to the future owner! Welcome to Riviera Bay, where waterfront living meets unbeatable convenience and community charm. This 3-bedroom, 2-bathroom home offers direct saltwater access to Tampa Bay, making it a dream for boaters, paddleboarders, and dolphin watchers alike. Imagine starting your day with manatees gliding by and ending it with sunsets over the water. Though the home was impacted by recent hurricane flooding, it remains completely livable and ready for your personal touch—whether you choose to renovate, rebuild, or invest for the future. The private backyard retreat features a sandy lounging area and a built-in fire pit—perfect for evenings under the stars. Located in one of St. Pete’s most welcoming neighborhoods, Riviera Bay is known for its holiday boat parades, festive spirit, and waterfront lifestyle. Best of all, you're just minutes from both St. Pete–Clearwater and Tampa International Airports, as well as vibrant downtown St. Pete. Waterfront homes like this (with transferrable flood insurance) rarely come along. Schedule your private tour today!