Discover this luxurious, stunning waterfront property with expansive views of the Hillsborough River and lush conservation areas, with the benefit no HOA, no CDD, and no flood insurance required! This uniquely designed home is nestled on a tranquil cul-de-sac across the river from Temple Terrace, situated on a generous .45-acre lot with an additional .39 acre (50% undivided interest, 170 x 104) adjacent lot. Entering through exquisite mahogany doors, a grand living and dining area with expansive waterfront views await. The kitchen is an entertainer's dream, featuring Chestnut wood cabinetry, granite countertops, stainless steel appliances, and a gorgeous island bar. A formal sitting room with a large wood-burning fireplace and beautiful water views is a highlight of the home. Adjacent to the dining area, a study with built-in shelving leads to a first-floor bedroom and a full bathroom. The laundry room offers ample shelving, cabinet space, and a laundry sink. Upstairs, the luxurious master suite includes a gorgeous sitting room or office with exquisite water views. Exiting the home, an outdoor oasis awaits, providing a pristine saltwater pool and spa with lanai, complemented by pavers leading to a built-in fire pit and sitting area. From the sitting area, take a stroll down a composite-wood pathway to your deep-water dock, offering wide-open views of the river, perfect for viewing sunsets, jet skiing or boating from your backyard. This oasis features a meticulously crafted custom landscape design, showcasing exotic plants, palms, perennials, unique Cypress trees, and various fruit trees, including Hibiscus, banana, and bean. The current owner has taken exceptional care of every detail: all windows have been replaced with new Simonton Stormbreaker Plus windows, and there are two new sets of PGT patio doors. Both A/C units are 3-ton (2024 and 2010), new Hayward pool/spa heater (2022), all electrical systems have been upgraded, and the roof was installed in 2020. Additional features include a Kinetico Premier Softener/Dechlorinator/Conditioning system, new flooring, freshly painted interiors and exteriors, crown molding, updated bathrooms with frameless shower doors and dual shower heads, and much more. This home’s location is unbeatable, with close proximity to parks, recreation facilities, and being conveniently situated between three major highways (I-75, I-4, I-275). It is just minutes away from USF, major hospitals, entertainment venues, and shopping amenities.