Beautiful beach home in the quiet Bay Harbor subdivision offering breathtaking beach and bay views. Enjoy multiple decks and outdoor seating areas perfect for relaxing or entertaining. The open-concept floor plan features new laminate flooring, a spacious kitchen with a large island that seats six, granite countertops, and appliances that are only over one year old. The HVAC, windows, and doors have also been updated. A finished first-floor guest suite offers approximately 339 sq. ft. with a sleeping area, full bath, and kitchenette. The main level offers approximately 1,008 sq. ft., and the third-floor loft provides an additional 180 sq. ft. with access to a private deck showcasing incredible views. Sold fully furnished on a large lot with nearby fishing pier and boat launch. Very low grandfathered flood insurance. Available for sale or lease.