No HOA. No CDD. No association fees. Add Flood Zone X and a non-evacuation-zone location, and you have a combination that's hard to find anywhere in Pinellas County. That freedom makes this home a fit for full-time living, a seasonal Florida base, or an investment property. This single-story, 3-bedroom, 2-bath home offers 1,402 sq ft with an open, easy-flowing layout. The big-ticket items are already handled: 2019 roof 2017 HVAC 2021 windows and doors The updated kitchen is the heart of the home, with granite counters, stainless-steel appliances, modern cabinetry, and a designer tile backsplash. It opens straight into the living and dining areas, so whoever's cooking stays part of the conversation. Tile runs throughout with no carpet anywhere, and both bathrooms have been updated with contemporary finishes. Energy-efficient lighting and an attic fan help keep cooling costs in check. Irrigation runs off a well, so a green lawn won't inflate your water bill. Then there's the lot. At 9,165 sq ft (about 0.21 acres, 85 x 108) and level, it gives you real room to create the backyard you want. A pool, an outdoor kitchen, or boat and RV parking could all fit, subject to zoning and permitting. The attached 2-car garage and driveway cover parking and storage. The central location puts you about: 5 minutes to Eagle Lake Park and Highland Recreation Complex 10 minutes to downtown Clearwater and Coachman Park 15-20 minutes to Clearwater Beach, Indian Rocks Beach, and Sand Key 30 minutes to downtown St. Petersburg and Tampa International Airport Updated inside, major systems done, a big usable lot, and none of the fees or restrictions that come with most Pinellas homes. Schedule your private showing and see the possibilities for yourself.