Discover the perfect blend of privacy, luxury, and investment potential in this exceptional single-story home, beautifully positioned on a large private lot directly on the Choctawhatchee Bay--with no HOA restrictions. This waterfront retreat offers an inviting and spacious layout, featuring vaulted ceilings, a chef's kitchen with two bars, an expansive dining area perfect for entertaining, and a separate family room for added comfort and flexibility.Designed with a smart split floor plan, the home provides ideal separation between the owner's suite and guest bedrooms, all centered around the open-concept kitchen and dining room. The owner's suite offers direct access to the lush backyard and sweeping bay views, just steps from the 100-foot aluminum seawall.Outside, the property transforms into a tropical oasis. A fenced yard with fruit and palm trees surrounds a covered outdoor living area, leading to a beautiful private dock complete with a boat lift--an ideal setup for enjoying life on the water. The large two-car garage and extended driveway provide ample space for your RV, boat, or additional vehicles.Whether you're looking for a serene second home, a high-performing vacation rental, or a long-term investment property, this home delivers on every front. Don't miss your chance to own a true bayfront gem.