Welcome to this HIGH-AND-DRY, BEAUTIFULLY RENOVATED, WATERFRONT TURN-KEY 4-bedroom, 2.5-bathroom home offering 1,911 square feet of comfortable living space just minutes from the world-famous GULF BEACHES of Pinellas County. Whether you're searching for a profitable VACATION RENTAL, a SEASONAL WINTER RETREAT, or a full-time WATERFRONT RESIDENCE, this beautifully UPDATED CREEK FRONT home, NOT IN A FLOOD ZONE, offers exceptional flexibility in one of Largo's most desirable locations. Thoughtfully updated over the past several years — including a brand-new HVAC system installed just months ago — this move-in-ready property is ready to enjoy from day one, with the FURNISHINGS NEGOTIABLE, making this an outstanding turnkey opportunity for buyers looking to begin enjoying the home or generating rental income—immediately. Walk through the front door into the spacious living room/dining room/kitchen combination, the perfect gathering space for entertaining. The kitchen includes granite countertops, stainless steel appliances, generous cabinet space, and a breakfast bar. The split-bedroom floor plan provides privacy for owners and guests alike, with split guest bathrooms that share a shower in between. The primary bedroom includes an EN-SUITE BATHROOM with a dual sink vanity and walk-in shower. Step outside and experience your own private Florida oasis. A large, screened lanai overlooks peaceful McKay Creek, a 7-mile stream flowing into the Gulf, where you can LAUNCH A KAYAK, PADDLEBOARD, or spend the afternoon FISHING RIGHT FROM YOUR BACKYARD. A sun deck surrounds the sparkling pool, creating the ideal setting for relaxing with family and friends after a day at the beach. Located just minutes from the sugar-sand shores of Clearwater Beach, Indian Rocks Beach, Belleair Beach, and Sand Key, you'll enjoy easy access to boating, waterfront dining, championship fishing, and endless outdoor recreation. Tampa Bay's vibrant attractions—including shopping, restaurants, professional sports venues, and two international airports—are all within a convenient drive. Whether you're looking to generate short-term rental income, escape the northern winters, or settle into the Florida lifestyle year-round, this versatile waterfront property offers the rare combination of LOCATION, UPDATES, and LIFESTYLE that today's buyers are searching for.