COASTAL COTTAGE CHARM + MODERN UPDATES + NO HOA! This beautifully renovated 3-bedroom, 1-bath Florida cottage is ready to welcome you home! Located in an X flood zone with no lender-required flood insurance, this property offers peace of mind and plenty of coastal charm. Enjoy the freedom of NO HOA in this golf cart-friendly community, just minutes from schools, St. Joe Bay, the beach, and the shops and restaurants of downtown Reid Avenue. Step inside to discover a fresh, inviting interior featuring stylish LVP flooring throughout and a beautifully updated kitchen that opens seamlessly into the living and entertaining spaces. The screened-in porch is a true standout, offering the perfect place to sip your morning coffee, gather with friends, or relax after a day at the beach. Outside, the spacious yard provides plenty of room to enjoy the Florida lifestyle, complete with a backyard fire pit area perfect for evenings under the stars. Additional storage buildings offer convenient space for beach gear, bikes, tools, and all your outdoor essentials. Whether you're looking for a full-time residence, a weekend getaway, or a place to enjoy the laid-back coastal lifestyle, this charming cottage checks all the boxes. Prime location, thoughtful updates, outdoor space, and coastal living—don't miss this one! 3D TOUR AVAILABLE.