THIS HOME QUALIFIES FOR $0 DOWN, 100% SPECIAL FINANCING WITH NO PMI OR POINTS, AND AT A LOWER INTEREST RATE (Ask us for more information) Welcome home to the WATERFRONT GATED COMMUNITY of Palm Bay with BAY AND GULF ACCESS via the community boat ramp and lift! As soon as you enter the gate, you will feel like you are in a Mediterranean seaside village! This lovely home has been beautifully upgraded and ready for you to move in! You will love the soaring ceilings and architectural details this home has to offer. The living room, hallway and dining room all surround a unique private courtyard patio with sliding doors, bringing the outside in. The eat in kitchen is spacious, with granite countertops, stainless steel appliances, with lots of cabinets, and a breakfast nook space overlooking the pool area. The island countertop is the perfect spot to chat with the cook. Great floor plan with the family room open to the kitchen and pool area, and a separate formal dining space on the other side of the kitchen. Electric shades are a nice upgrade in the family and dining room. Nice half bath downstairs for your guests. Upstairs you will find all the bedrooms and laundry room. You will be astonished at the size of the master suite as you enter through double doors with 2 walk in closets and dressing area. The renovated master bath is stunning with beautiful tile flooring and tile accents, double sinks, garden bath and separate shower enclosure with pebble flooring. Just outside the master bedroom is a loft area for a desk or reading chair, which is a nice spot for relaxing. The laundry room and the other 2 bedrooms with full Jack and Jill bathroom, round out the upstairs space. Fully fenced sparkling pool and covered patio with screen enclosure, is the perfect place to cool off on those hot summer days. Recent improvements include new heat pump pool heater, new pool pump & salt chlorinator, and new screens on pool cage, as well as in in wall pest control system. Tile roof and central HVAC system were replaced in 2015. The marina gives you water access to the bay with it's private boat ramp & boat lift to launch your boat into the canal & out to the bay! Flood insurance is only $818.00 yearly. The community of Palm Bay has lots to offer, from the marina, to the playground, tennis & pickleball courts, dog park and a beach area that's great for picnics or launching your kayak. Lots of social events planned for the neighborhood if you want to join in on the fun! Boat slips are available for rent or purchase occasionally from private owners. Excellent schools nearby, and great location with only 15 mins to the airport, 20 mins downtown and 30 mins to the beaches, great for commuting with easy access to both sides of the bay! Come & see what a great place this would be to call home!