Waterfront home under $1 million! This exceptional 4-bedroom, 3-bath waterfront residence offers true Florida living with direct deep-water access, 2 private boat lifts, and the rare opportunity to be on open Gulf waters in just minutes. Tucked at the end of a quiet cul-de-sac overlooking Waterfront Park, the property offers stunning sunset views from the pool and living areas. Thoughtfully upgraded throughout, the home features a beautifully remodeled kitchen with Amish-built cabinetry, all-new kitchen appliances that are only 9 months old, and two newer AC units for added comfort and efficiency. This home has leased solar panels which help reduce the electric bill. Designed for both flexibility and functionality, the attached in-law suite offers its own living room, bathroom, kitchenette, and laundry area, making it ideal for extended family, guests, or private use. Additional improvements include pool heater equipment, as well as exterior 50-amp and 30-amp service connections for RV use or powering additional equipment. This home is also approved for Swift Current, a FEMA program designed to help reduce flood risk and may offer up to a 75% rebate toward elevating the home. With dolphin sightings, live music nearby, boat-accessible waterfront dining, local parks, golf courses, shopping, and downtown New Port Richey just minutes away, this home delivers an unmatched combination of upgrades, location, and lifestyle. Waterfront luxury under $1M like this is truly rare.