SELLER WILL CONTRIBUTE TOWARDS A RATE BUYDOWN****AMAZING HOA THAT PROVIDES PEACE OF MIND AND A TOWN HOME THAT “LIVES LIKE A SINGLE FAMILY HOMEâ€! Welcome to Banyan Bay A WORRY-FREE LIVING exclusive waterfront gated townhome community. This Townhome is NOT in a flood zone and unaffected by recent storms. The COMPREHENSIVE HOA includes: ALL Exterior PAINT of the home and community (Community painted 2Q 2024), ROOF repairs & maintenance, INSURANCE flood and structures (owner only needs “walls in†coverage), WATER, 500 gig INTERNET, Spectrum CABLE, Common area LANDSCAPING, Irrigation, maintenance of the DOCK, POOL, and Pool AMENITIES, GATE and the Private ROAD maintenance. LARGE DOG Friendly. Nestled just south of vibrant downtown St. Pete from the moment you enter through the elegant wrought-iron gates, you're greeted by beautifully manicured grounds and mature landscaping that exude tranquility and pride of ownership. Banyan Bay residents enjoy access to a heated community pool, and a private dock with deeded boat slips (opportunities to rent from individual owners exist), a community day slip, and kayak and paddle board storage. Thoughtfully updated 3-bedroom, 2.5-bath, with Luxury Finishes Throughout such as Quartz countertops & PORCELAIN sinks in all bathrooms, Luxury vinyl plank flooring (LVT) throughout, All IMPACT-RATED windows and doors for storm safety and energy efficiency. Downstairs; tall ceilings with open-concept living/dining layout offering flexible arrangement options is adorned with Hunter Douglas PLANTATION shutters and a MOTORIZED shade for the sliding patio door which leads to the SCREENED porch and the outdoor extended paver patio framed by a privacy hedge. The CUSTOM designed kitchen offers Café appliances, DOUBLR electric range with APP-CONTROLLED, sealed MARBLE countertops, porcelain APRON sink with OFFSET drain, ISLAND with power and storage, large PANTRY closet, above-cabinet and under-cabinet LED lighting, Hunter Douglass MOTORIZED window shade, and exquisite style hardware and plumbing. Additional coat closet and storage under staircase for seasonal decor. Upstairs Comfort & Style is evident in the LOFT has a built-in niche with additional custom storage. The stunning primary suite features a high COFFERED ceiling, a custom designed California Closet system featuring wall-to-wall VALET cabinetry, integrated make-up niche with dimmable lighting, and French doors leading to a private BALCONY. Spacious guest bathrooms and vaulted ceilings extend throughout the upper level, creating a bright and open ambiance. Additional SMART-HOME FEATURES & modern utilities include APP-CONTROLLED LG washer & dryer, NEST smoke detectors, GE whole-home water FILTRATION system with remote shutoff, APP-CONTROLLED RHEEM water heater (2020), HVAC system (2019) with UV antimicrobial light, OVERSIZED 2-Car Garage with MyQ SMART GARAGE opener on HURRICANE-RATED door, EPOXY floor, overhead storage and EV CHARGER-READY hookup (240v / 48-amp breaker). Banyan Bay offers a rare blend of privacy, smart-living, and waterfront amenities—just minutes from the Gulf beaches, and everything St. Petersburg has to offer. This is not just a home—it’s a lifestyle. Come see it for yourself.