LOW INSURANCE COSTS on this Palm Harbor Showstopper! Located in a high-and-dry setting, this beautifully remodeled 3-bedroom villa offers exceptional value with dramatically reduced insurance expenses. Because the HOA covers exterior building insurance—including roofs, exterior walls, and grounds—owners only need an HO-6 policy, not an HO-3. That translates to approximately $1,500/year vs. $4,500/year, a rare and meaningful savings. Imagine stepping into a home where every detail has already been perfected for you. This open-concept villa features soaring 10-foot ceilings (no popcorn), rich flooring, custom trim, and walls thoughtfully removed to create a bright, spacious flow ideal for both everyday living and entertaining. At the heart of the home is a chef-inspired kitchen with an oversized island and counter-height seating—perfect for gatherings—plus sleek cabinetry, upgraded finishes, and a built-in wine fridge. A full 2018 gut renovation delivered peace of mind with new HVAC, water heater, plumbing (including replacement of polybutylene), electrical, kitchen, baths, lighting, blinds, and ceiling fans. The home is enhanced by extensive LED lighting, modern Decora outlets, surround-sound speakers, structured AV and Cat-6 cabling, and dual TV mounts—making it truly move-in and entertainment ready. Step outside to a tranquil retreat backing to a natural preserve, where deer, wild turkeys, and native birds are frequent visitors. Upgraded landscaping, ample guest parking, and a serene setting create a private, peaceful atmosphere rarely found so close to everything. HOA highlights provide exceptional value: • HOA includes exterior building insurance, roofs, grounds, and landscaping • Bulk internet & cable package valued at $200+ per month if purchased separately • Garbage pickup twice weekly included • Net monthly fees after savings are approximately $187, factoring in insurance and cable savings Prime Palm Harbor location with easy access to everyday conveniences and lifestyle amenities: close to Publix, Trader Joe’s, Sprouts, shopping at Boot Ranch and Countryside Mall, Mease Countryside and AdventHealth hospitals, the Pinellas Trail, Wall Springs Park, Honeymoon Island, Caladesi Island ferry, and Clearwater Beach. Tampa International and St. Pete–Clearwater airports are both within easy reach. This fully remodeled Palm Harbor gem blends low ownership costs, modern comfort, and natural beauty in one rare package. Schedule your private tour today and experience the difference.