This waterfront estate is a rare opportunity, spanning two lots navigable to the bay with panoramic views of Choctawhatchee Bay. The property is on 325 feet of paved road frontage and offers 230 feet of navigable waterfront on 'Gurkee Creek,' with direct access from your private boat dock through the federally protected estuary to the bay. The custom-designed home has been meticulously maintained and thoughtfully updated, offering three bedrooms and two baths with flowing, spacious living areas highlighted by scenic vistas throughout, a covered, screened back porch, surrounded by a quiet park-like setting with mature oaks, magnolias, azaleas, and camellias. Additional features include a 40-year steel roof, oversized garage and driveway, and second driveway suitable for camper or boat. Lot 28 has a FL Dock Permit. Conveniently located near Gulf beaches, Scenic Highway 30A, shopping, dining, entertainment, marinas, and healthcare including Ascension Sacred Heart, offering an exceptional balance of waterfront privacy and everyday accessibility.