Check out this FIRST-FLOOR condo in the desirable 55+ community of Bay Palms, featuring one of the LOWEST HOA FEES in Pinellas County! Looking for an AFFORDABLE Florida retreat in a HIGH & DRY location? This 1-bedroom, 1-bath condo is located in a NON-FLOOD ZONE and offers comfortable, low-maintenance living just minutes from the Gulf Beaches. Step inside to a surprisingly SPACIOUS living and dining area with sliding glass doors that extend your living space outdoors. The kitchen features STAINLESS STEEL appliances, including an updated stove and microwave, a newer refrigerator, and a large pantry closet. The bathroom was UPDATED in 2023 with a beautiful WALK-IN SHOWER, while a generous hallway linen closet provides additional storage. The spacious bedroom easily accommodates a KING-SIZE bedroom suite and includes a WALK-IN CLOSET. Waterproof flooring has also been added in the bedroom, with ceramic tile in the kitchen and bathroom for easy maintenance. Additional features include a tankless water heater installed in 2020 and four ceiling fans. One of the BEST features of this condo is the outdoor space! Step from the screened porch onto an OPEN PAVERED TERRACE exclusive to first-floor units. Create your own private Florida oasis for morning coffee, container gardening, reading, entertaining neighbors, or simply relaxing in the sunshine after a day at the pool or beach. Convenience is another major plus. Your dedicated parking space is DIRECTLY IN FRONT of the unit, the laundry room is only THREE DOORS AWAY, and a large private storage closet directly across from your front door provides plenty of room for beach chairs, coolers, bicycles, holiday décor and more. Bay Palms residents enjoy a HEATED POOL, shuffleboard, cabana and grilling area, along with plenty of guest parking. The LOW MONTHLY HOA FEE of $387.88 includes the heated pool area, cabana, shuffleboard, water, sewer, building insurance, trash service, lawn care, exterior maintenance, parking, escrow reserves AND the land lease fee. The community also offers a private pedestrian gate on the west side of the property providing convenient access to nearby grocery shopping and a retail center. Bay Palms is a quiet, friendly 55+ community with no pets permitted. Rentals are allowed after one year of ownership with a three-month minimum lease term. Whether you're looking for a full-time residence or an easy Florida getaway, the location is hard to beat—just a short drive to the award-winning Gulf Beaches and approximately 30 minutes to Tampa for professional sports, entertainment, attractions and Tampa International Airport. LOW HOA. FIRST FLOOR. NON-FLOOD ZONE. PRIVATE OUTDOOR SPACE. This is an opportunity to enjoy MAINTENANCE-FREE COASTAL LIVING without the coastal price tag. Schedule your private showing and make this AFFORDABLE piece of Florida PARADISE your own!