Modern Design, Income Potential, and No Flood Insurance (Yes, really!) Just minutes from Downtown St. Pete, the Grand Central District, and a quick drive to Treasure Island Beach, this 2021-built home sits high and dry at 52 feet elevation in Flood Zone X (a rare find this close to the coast). With 5 bedrooms, 3.5 bathrooms, and a fully finished apartment above the detached 2-car garage, this property offers true flexibility for the way people live today. Whether you're looking for multigenerational living, guest accommodations, or rental income, the detached apartment (with its own private entrance, full bathroom, and dedicated parking pad) is turnkey and ready to go. Inside the main home, you’ll find 4 bedrooms, including a versatile downstairs room that can be used as a home office, playroom, or den. Upstairs, the spacious primary suite features a spa-like bathroom with an oversized walk-in shower and custom closet built-ins. Another upstairs bedroom also includes an upgraded custom closet that enhances both style and storage. The open-concept kitchen, living, and dining areas were designed with everyday living and entertaining in mind. Highlights include a large statement center island, quartz countertops, high-end stainless steel appliances, a fully vented range hood, and a custom reach-in pantry. Throughout the home, every detail was thoughtfully selected—from designer lighting and upscale tilework to the $15,000 plantation shutters with matte black hinges. Luxury vinyl flooring runs throughout the main living areas, while the bathrooms feature elegant tile finishes. The downstairs powder room includes a striking black chandelier that adds to the home's distinctive character. Step outside to a fully fenced backyard with fresh pavers that create a courtyard-style connection between the main house and apartment. There’s ample room for grilling, dining, relaxing, or even adding a pool. Additional upgrades include impact-rated windows and doors, a Nest thermostat, Ring doorbell, and smart-home features that bring convenience to your fingertips. If you’re looking for a newer home that offers style, flexibility, and location (without the burden of flood insurance), this one stands out from the rest.