Looking for a home in a fantastic neighborhood in the fabulous Florida Keys? You've just found it! This charming 3-bedroom, 2-bath home features an open floor plan perfect for relaxed island living, with high tongue-and-groove ceilings that add warmth and character. Both bathrooms were recently updated, offering modern finishes and added comfort. The roof was replaced in 2016, and the home is equipped with all impact windows and doors for added safety and energy efficiency. Sitting above flood level in an X-zone, it offers peace of mind along with a low-maintenance yard, so you can spend more time enjoying paradise. With plenty of parking for both your boat and cars, this home is ideal for those who love the water and easy living in one of the Keys' most desirable neighborhoods. The community features an excellent boat ramp, a beach, and exclusive overnight boat dockage available only to homeowners in the subdivision--perfect for boating enthusiasts. The backyard borders John Pennekamp State Park, providing unmatched privacy and a peaceful natural setting, while also placing you just moments away from incredible local adventures. Even better, the seller is willing to hold financing for 16 years with only 20% down at 7% interest--making this rare opportunity even more accessible!