X Flood Zone first tier house with a heated pool. This home has both beach and bay access so that you can watch the sunset over the Gulf, or the sunrise over St. Joe Bay. Newly updated with new appliances, new wood flooring, interior and exterior paint and much more. The first level reveals two sizable master suites; one overlooking the Gulf and pool and the other overlooking St. Joe Bay. The 2nd level presents the main living area, additional bath and bunk room. The observation room on the top floor with wet bar and private deck has outstanding views! Deluxe outdoor shower, gated pool area with pergola and much more. Whether you are looking for a second home, or an income producing property, this one fits the bill!