Welcome to refined coastal living in the prestigious waterfront community of Harbor Bluffs! This beautifully appointed 3-bedroom, 3-bath residence offers timeless design, thoughtful upgrades, and exceptional peace of mind in an X flood/non-evacuation zone. Step inside to discover rich hardwood floors that flow gracefully throughout the main living space, and a spacious open floor plan that features generous living and dining areas ideal for both everyday living and entertaining. Each of the three bedrooms is generously sized, with well-appointed baths that offer comfort and style for family and guests alike, with a split floor plan and one of the additional bedrooms is also ensuite with it's own garden entrance for a possible in-law suite. The heart of the home opens to a private outdoor retreat featuring a sparkling Pebble Tec pool and shaded patio space — perfect for relaxing afternoons or evening gatherings under the Florida sky. Surrounded by lush landscaping, the backyard offers both beauty and privacy. Designed with durability and security in mind, the home is equipped with a 2013 metal roof along with impact windows and doors, providing enhanced protection, energy efficiency, and peace of mind. A/C 2022. Other notable features include plantation shutters on the windows, and a water softener. Located in one of the area’s most sought-after waterfront neighborhoods, residents enjoy tree-lined streets, upscale surroundings, and convenient access to boating, beaches, and the dining, and shopping in Belleair Bluffs. This is more than a home — it’s a lifestyle of comfort, quality, and coastal elegance.