Rare Palm City waterfront retreat with no fixed bridges and direct ocean access. This distinctive 5BR/3BA home offers approx. 2,534 living sq ft with warm wood detailing, soaring ceilings, dramatic fireplace, and flexible living spaces full of character. The layout includes a downstairs primary suite plus an upstairs suite currently used as an art studio. Enjoy boating from your private dock with lift and electric, seawall and dock in good condition. Additional highlights include a 2023 metal roof, complete panel shutters, newer appliances, paver driveway, oversized garage with epoxy floors, low annual HOA for road/canal maintenance, and peaceful waterfront setting. A unique opportunity for buyers seeking boating, privacy, and a home with true personality. Additional features include exceptional storage and lifestyle flexibility throughout the property. The oversized attached garage is notably deep and offers excellent space for vehicles, tools, boating gear, fishing equipment, paddleboards, kayaks, bikes, hobbies, or recreational storage. The upstairs suite is currently used as an art studio and offers a highly versatile space that could function well as a guest retreat, home office, creative studio, media area, playroom, or additional private living space. The floor plan provides separation between the downstairs primary suite and upstairs living area, creating options for guests, extended stays, multi-generational needs, remote work, or family living. Inside, the home's warm architectural character is enhanced by natural wood finishes, volume ceilings, abundant natural light, and a dramatic decorative fireplace that serves as a focal point in the main living area. The overall feel is distinctive, inviting, and far from cookie-cutter. The waterfront setup adds major lifestyle value for boaters, anglers, and buyers seeking direct ocean access from Palm City. The private dock, lift, electric service, and well-maintained seawall support easy enjoyment of the Treasure Coast boating lifestyle. The low annual HOA of approximately $244.77 is minimal in involvement and primarily supports road and canal maintenance. Located in Palm City, this property offers convenient access to boating, shopping, dining, schools, parks, major roadways, and nearby Stuart. This home is ideal for buyers searching for a Palm City waterfront home with boating access, flexible living space, privacy, storage, and distinctive character.