Flood insurance is only $976 a year! Welcome to 3536 Island Drive, an exceptional waterfront semi-detached home offering refined coastal living in a serene beachfront setting. This property is ideally positioned on one of the deepest lots on the island, affording not only sweeping ocean views from every level, but also the distinct advantage of grandfathered flood insurance at an annual rate of $976 Thoughtfully designed and meticulously updated, this property exudes both elegance and comfort. The main level features three generously sized bedrooms, including two oceanfront suites that open onto a private deck overlooking the shoreline. The primary suite is enhanced by a luxuriously appointed, spa-inspired bathroom showcasing Italian tile, a walk-in shower, and designer finishes. A secondary suite, configured as a Jack-and-Jill with an adjoining bunk room, offers flexible accommodations ideal for family or guests. The upper level presents a breathtaking open-concept living space, filled with natural light and framed by expansive views of the ocean. The recently renovated kitchen is a true culinary centerpiece, featuring two-tone cream and navy shaker cabinetry, exotic granite countertops, a crackled porcelain tile backsplash, and stainless steel appliances. A second oceanfront deck extends the living space outdoors, offering the perfect setting for al fresco dining or quiet reflection by the sea. An additional bedroom and full bathroom complete this level. No detail has been overlooked in the home's comprehensive renovation, which includes luxury vinyl flooring, modernized bathrooms, and curated designer furnishings throughout. The residence is offered fully furnished, complete with tasteful décor and original artwork, allowing for an effortless move-in or turnkey rental opportunity.