Affordable island living! This St. James City retreat offers assumable flood insurance under $1,000/year and solar panels that keep monthly electric bills low, all while featuring direct Gulf access, preserve views, and a fully remodeled interior.Tucked away on an oversized lot with preserve views, this fully remodeled 2 bedroom + den, 2 bath home is your ticket to the good life. Outside is where the magic happens! Dive into the heated pool, unwind in the freestanding hot tub, or sip your favorite drink under the brand-new picture window pool cage that perfectly frames the tropical backdrop. Your pup will love the fenced dog run, and boaters will be grinning ear-to-ear with the composite dock, boat lift, and direct Gulf access—all just a quick cruise to Sanibel, Cayo Costa, Boca Grande, and Pine Island Sound for world-class fishing and sandy beaches. Oh, and if you've got an RV, there's even **50-amp service waiting for you. Inside, the vibe is bright, airy, and coastal-cool with **tile floors throughout** and sun-soaked **southern exposure**. The kitchen is a dream with **quartz countertops, raised wood cabinets, glass tile backsplash, stainless appliances, and a sleek vent hood. The **master suite is your private escape with lanai access, a walk-in closet, and a spa-style bath with dual sinks, quartz counters, and walk-in shower. The guest suite has its own walk-in shower and vanity, plus a bonus den/flex space perfect for an office, bunkroom, or whatever your imagination desires. Relax, play, boat, fish, repeat—this is the island lifestyle you've been waiting for! Sellers will pay balance on solar panels at closing.