Experience exceptional waterfront living in this beautifully renovated Gulf-access home, ideally suited for boaters, anglers, and those seeking a friendly coastal lifestyle. Offering quick, direct Gulf access with no bridges, premium dockage, outstanding fishing, and rare owner financing (20% down, 4% interest, 25-year term), this property blends luxury, lifestyle, and flexibility. On a lushly landscaped corner lot with southeast exposure and added privacy, the home features extensive recent upgrades. Boating amenities include a composite dock with a 16,000-pound covered boat lift (2024), new lift canopy (2025) and fast access to open water. Major improvements include a new tile roof (2025), impact windows and doors, electric storm shutters, dual Lennox HVAC systems (2024), mini-split garage HVAC, 25-kilowatt Generac whole-house generator with buried propane tank, Halo X whole-home water filtration, monitored security system, irrigation, epoxy garage floors with custom cabinetry, and a palm-lined driveway. Inside, the reimagined residence offers four bedrooms and 2.5 baths with seamless indoor-outdoor flow. Soaring 14-foot ceilings, abundant natural light, porcelain tile flooring, plantation shutters and a dramatic 40-foot birch beam ceiling create striking architectural character. The chef’s kitchen is the centerpiece, featuring quartzite counters, a large granite island with seating, pot filler, under-cabinet lighting and premium appliances, including a five-burner gas cooktop, double convection ovens, Fisher & Paykel drawer dishwasher, Electrolux built-in refrigerator/freezer, Sharp drawer microwave, beverage refrigerator and stainless hood. An apron-front hammered sink, electric fireplace, wall-mounted TV, and cozy window seating complete the space. The primary suite offers a custom walk-in closet and spa-style bath with zero-entry shower, natural stone and porcelain finishes, dual showerheads, body jets, frameless glass, quartz vanity, heated mirror and private water closet. Three guest bedrooms and updated baths provide comfort for family and visitors. Outdoor living shines with a screened pool and spa, stone pavers, spa spillover, water feature and serene water views. The fully equipped outdoor kitchen includes a Bull grill, rotisserie, cooktop and refrigerator, ideal for entertaining and enjoying the Southwest Florida waterfront lifestyle.