A solid waterfront opportunity in Bay Island - offering functional living in one of the area’s premier gated 55+ communities. Located in a 24-hour guarded neighborhood, this 2-bedroom, 2-bathroom residence offers a practical, comfortable layout featuring durable waterproof laminate flooring through the living, dining, and primary suite. The kitchen comes equipped with granite countertops, a double oven and a convenient pass-through to the dining area. Both bathrooms are appointed with granite-topped vanities, with the primary suite offering updated shaker-style cabinetry with excellent storage, a walk-in shower, and a dedicated walk-in closet in the bedroom. Everyday peace of mind is built in with impact windows throughout, offering insulated, storm-ready protection and clear views looking out toward the water. There's a brand new HVAC as well! Living in Bay Island means you can enjoy an active, resort-style environment. Community amenities include multiple heated pools, waterfront tiki huts, grilling areas, tennis, pickleball, and shuffleboard courts, plus a waterfront walking path and a clubhouse with a fitness center and social activities. The monthly fee covers basic cable, high-speed internet, water, sewer, trash, flood insurance, exterior groundskeeping, and 24-hour security. Pet-friendly (up to 2 pets, 1 dog max under 15 lbs) with flexible rental guidelines (30-day minimum, 3x per year). A SunRunner transit stop sits right outside the gates for easy rides to nearby beaches and downtown St. Petersburg. Whether you're seeking an accessible price point in a premier waterfront enclave or an easy-living coastal retreat, this residence delivers outstanding value in an unbeatable location. Schedule your private tour today.