Experience luxury coastal living with unobstructed beach views--plus transferable flood insurance at an incredible rate. This exceptional home offers coverage at just $845 per year, with a full risk premium of only $1,086. Designed with comfort and sophistication in mind, this 4-bedroom, 4.5-bath residence features a primary suite conveniently located on the main level. Every bedroom includes its own walk-in closet and private full bath, while the owner's suite boasts a private balcony, spa-inspired shower, and its own dedicated washer/dryer closet. The gourmet kitchen is the centerpiece of the home, complete with a five-burner cooktop, farmhouse sink, and premium stainless steel appliances. An open layout connects the kitchen, dining, and living areas--all showcasing sweeping views of Biloxi Beach and the Gulf--creating an inviting space ideal for everyday living and entertaining. Step outside to an expansive deck perfect for sun or shade, enhanced with wired speakers, a gas line for grilling, and a water spigot for gardening. The home is already equipped with smart-home wiring, a tankless water heater for endless hot water, a cargo lift for effortless access, insulated garage doors, built-in shelving, and additional storage under the stairs. The fully fenced yard maintains privacy without compromising the stunning views. Raised garden beds and a dedicated-meter sprinkler system make outdoor upkeep simple and enjoyable. This property truly offers it all--luxury finishes, thoughtful design, modern conveniences, and breathtaking Gulf views that will remain unobstructed. A rare opportunity to own a coastal masterpiece ready to welcome its next owners.