Under contract-accepting backup offers. One or more photo(s) has been virtually staged. NO FLOOD INSURANCE NEEDED! Five minutes from the beach and priced at just $399,000, this Harbor Bluffs home offers both a fantastic lifestyle and a smart investment opportunity. Situated in unincorporated Pinellas County, it can serve as a traditional single-family home or as a lucrative short-term rental property, giving you the freedom to maximize its potential. Inside, the home features three bedrooms, including a flexible third that easily works as a guest room, office, or creative space. The bright and open layout is enhanced with modern flooring, fresh paint, and a spacious kitchen that flows seamlessly into the living areas—perfect for everyday living or hosting guests. Step outside to a private, fenced backyard with a large patio, ready for entertaining or future upgrades such as a hot tub, garden, or even a stock tank pool. Located in a non-flood zone and supported by a clean 4-point inspection, this property offers peace of mind along with excellent long-term value. With its prime Harbor Bluffs location, versatile floor plan, and recent price drop, this home is one of the most attractive opportunities in today’s market. Schedule your private showing now and see how this property can work as both a personal retreat and an income-generating investment.