Tucked inside the sought-after Harbor Bluffs community, this 3-bedroom, 3-bath home blends coastal charm with thoughtful upgrades and everyday ease. Set in an X flood zone (& a non-evacuation zone), the home features rich hardwood floors and a light, open layout designed for both relaxed living and easy entertaining. The split floor plan offers exceptional privacy, with two ensuite bedrooms, including one with a private garden entrance that is ideal for guests, extended family, or a flexible in-law suite. Out back, a sparkling Pebble Tec pool, shaded patio, and lush tropical landscaping create a private retreat for quiet mornings or weekend gatherings. Notable updates include a 2013 metal roof, impact-rated windows and doors, 2022 A/C, plantation shutters, and a water softener. Located near Belleair Bluffs shopping, dining, and Gulf beaches, this home offers comfort, flexibility, and a relaxed coastal lifestyle.