Discover your dream residence or a duplex delight in Clearwater! NO flood insurance needed for this enchanting home, situated merely a block from the serene intra-coastal waterway. The primary floor offers a spacious 4-bedroom, 2-bathroom layout, perfect for personal use, boasting a modern and updated kitchen, central heating and air, new flooring, and towering ceilings. Meanwhile, the second floor reveals a versatile 1-bedroom, 1-bathroom apartment with a full kitchen, ideal for generating additional income, crafting into an art studio, arranging as an in-law suite, or setting up guest quarters / Airbnb?the possibilities are endless! This home is move in ready, with a newer roof, updated appliances, a fully fenced backyard, and convenient off-street parking with a covered carport equipped with an automatic garage door that opens to the rear alley. The upstairs apartment enjoys its own side entrance and a charming private patio. Additionally, with its prime location, you can savor a water view right from the curb?without the need for flood insurance?and ample parking for boats or RVs. Each unit has separate water heaters, cable, and indoor laundry facilities, allowing for independence or integration as needed. Located minutes from the vibrant Downtown Dunedin and Clearwater, you're close to a world of exquisite breweries, dining, and award-winning beaches. Don't let this unparalleled and distinguished opportunity pass you by- call today for a showing!