Assumable flood insurance at only $2,969/year. Sellers are open to concessions, offering an opportunity for rate buy-down or reduced closing costs. Waterfront living at its best! This beautifully remodeled 1950s coastal home sits directly on the Cotee River with a scenic route to the Gulf of Mexico. Enjoy boating, kayaking, or relaxing on your private dock while taking in peaceful water views. The fully renovated first floor features brand-new shaker cabinets, granite countertops, double luxury sinks, stainless steel appliances, updated lighting, and stylish flooring. Charming exposed beams add warmth and character throughout. Just minutes to downtown New Port Richey — enjoy easy access to restaurants, breweries, parks, and year-round events. Ideal as a primary residence, vacation home, or income-producing rental with excellent waterfront appeal.