Luxury meets waterfront living in this nearly 2,200 sq ft end-unit townhome in the gated community of Banyan Bay. Located in Zone X (no required flood insurance) and never affected by hurricane flooding, with HOA-provided flood coverage for added peace of mind. This 3-bedroom, 3-bath home features a split floor plan, two flexible bonus spaces, an oversized 2-car garage, wood floors, crown molding, 9-ft ceilings, and abundant natural light from hurricane-impact windows on three sides. Enjoy a covered patio and two private balconies. Community amenities include a heated pool, fishing pier, kayak storage, green space, and boat slip access on sailboat water. HOA covers insurance, water, trash, cable, internet, landscaping, and more. Bike to downtown St. Pete and the beaches. Easy access to Tampa Bay and the Gulf by boat. Priced to sell! Schedule your private showing today.