NO HOA, NO CDD, AND NO ASSOCIATION FEES - plus FLOOD ZONE X and a NON-EVACUATION-ZONE LOCATION. A rare combination in Pinellas County, and one that makes this home work as a full-time residence, a seasonal Florida retreat, or a property with short-term rental potential. This updated 3-bedroom, 2-bath, single-story home offers 1,402 sq ft of living space with an open, functional floor plan built for easy Florida living. The expensive work is already done: 2019 roof, 2017 HVAC, and windows and doors updated in 2021. At the center of the home is an updated kitchen with granite countertops, stainless-steel appliances, modern cabinetry and a designer tile backsplash, opening directly to the living and dining areas - a natural layout for entertaining or everyday life. Tile flooring runs throughout with no carpet anywhere, and both bathrooms have been updated with contemporary finishes. Energy-efficient lighting and an attic fan help hold cooling costs down, and irrigation is served by a well - so keeping the lawn green doesn't run up the water bill. Outside, a level 9,165 sq ft lot - approximately 0.21 acres, 85 x 108 - gives you genuine room to build the Florida backyard you want. A future pool, an expanded entertaining area, or boat and RV parking all fit here, subject to zoning and permitting. The attached 2-car garage plus driveway handles parking and storage with ease. LOCATION IS ANOTHER BIG WIN. Approximately 5 minutes to Eagle Lake Park and Highland Recreation Complex, 10 minutes to Downtown Clearwater and Coachman Park, 15-20 minutes to Clearwater Beach, Indian Rocks Beach and Sand Key, and about 30 minutes to Downtown St. Petersburg and Tampa International Airport. Gulf beaches, waterfront parks, dining and everything Tampa Bay has to offer, all within easy reach. Whether you're looking for a full-time home, a seasonal retreat or an investment property, this one brings together an updated interior, the major improvements already completed, a large usable lot, no HOA, Flood Zone X and a non-evacuation-zone location - in a central Pinellas County setting. Schedule your private showing and come see the possibilities for yourself.