RATE-CONSCIOUS BUYERS: Permanent buy-down arranged! Enjoy below-market interest rate for the ENTIRE loan term. Seller pre-negotiated rate buy down will save you thousands. Call to ask how! Welcome to a home that blends timeless character with everyday comfort in one of Palm Harbor’s most desirable neighborhoods. This 3-bedroom, 2-bathroom residence offers thoughtfully designed indoor/outdoor living on a generous elevated corner lot. The pool pump has been redone, pool resurfaced in 2023, 2024 HVAC and 2020 water heater. The spacious and flowing split floor plan offers endless options for home setup. The Living room, family room, dining room and kitchen flow seamlessly so you are always a part of the action. Enjoy privacy with the Primary and en-suite being situated on one side of the home, while the other 2 bedrooms and bathroom are on the opposite side. The Nest smart home thermostat allows you to always come home to a comfortable home and promotes energy efficiency. The Family room with access to the backyard comes with built in storage and shelving. Discover a backyard paradise that truly feels like a private retreat. The spacious outdoor area features a comfortable screened patio, a swimming pool (freshly resurfaced in 2023, new pool pump 2025), a charming playhouse, mini basketball court, and cozy fire pit area. Imagine starting each morning with coffee on the screened lanai, listening to birdsong all around you, then winding down in the evening with your favorite drink under the stars. This home is perfect for hosting summer pool parties and weekend barbecues with friends and family. The thoughtfully designed outdoor space offers both relaxation and entertainment options, making your home the go-to spot for gatherings year-round. This backyard isn't just an extension of your home—it's a personal oasis where memories are made. This home is zoned for Ozona Elementary, Palm Harbor Middle, and Palm Harbor University High School—some of the area’s most well-known public schools—adding long-term value to an already desirable location. The annual HOA of $75 is OPTIONAL. Imagine outdoor adventures with easy access to the Pinellas Trail (great for biking, walking or jogging 2.1 miles), local parks, the Dunedin Causeway (great for kayaking, paddleboarding, boating, biking, walking or jogging 3.4 miles away), Honeymoon and Caladesi Island (great for sun soaked days and kayaking the mangroves 4.9 miles away). Downtown Palm Harbor (1.6 miles away), known for its locally owned restaurants and shops, is just minutes away, making this home a smart choice for those looking to enjoy the Florida lifestyle! ***BACK ON MARKET BUYER'S FINANCING FELL THROUGH CURRENTLY PRICED SIGNIFICANTLY UNDER APPRAISED VALUE***