WATERFRONT Key West Style Home with Direct Access to the GULF. This Three Story Coastal home offers a rare opportunity in a short term rental friendly neighborhood, with a Recent Price Reduction that makes this home one of the Most Affordable Waterfront Homes in Hernando Beach. Designed in a Key West style, the property includes 3 bedrooms and 2 bathrooms upstairs, plus a 1 bedroom, 1 bath guest suite which is ideal for family, guests, or rental income. The home features direct Gulf access with no fixed bridges, just minutes to open water. A 2018 10k boat lift with composite dock and deck, fish cleaning station, and shore power make boating days seamless. Five parking spaces, downstairs storage, a carport, and a Level 2 EV charger add everyday convenience. Interior Highlights include an Open floor plan with soaring 17' ceilings and a wall of windows filling the great room with natural light. Remodeled kitchen (2017) with granite countertops, stainless steel appliances, soft close cabinetry, and pantry. Guest quarters with private entrance, perfect for extended family or income potential. Some of the Recent Updates include a 2008 metal roof with 30+ years of life (per 2024 Four Point inspection), 2018 HVAC with transferable 10 year warranty, 2019 electrical panel, 2021 water heater. This home comes with an Affordable Insurance Advantage with assumable primary flood insurance at just 810 per year and estimated homeowners/wind coverage of approx. 1,992/year. The current owners will pay your first year of all insurance based on primary (flood, homeowners, and wind)a valuable, rare perk on the Gulf Coast. The property is landscaped with banana, mango, avocado, pomegranate, passion fruit, and palm trees. The waterfront area is designed for entertaining with covered and open spaces for barbecues, family gatherings, or quiet evenings by the water. Nestled in Hernando Beach, the home is just around the corner from marinas, restaurants, tiki bars, and fueling stations. Outdoor lovers will enjoy nearby biking trails, the Weeki Wachee River, and the 9 Lake Preserve. This home is move in ready, investment friendly, and offers a true coastal lifestylewhether as a primary residence, vacation retreat, or income producing property.