LISTED BELOW DESKTOP APPRAISAL!!! Incredible waterfront opportunity--13 feet above sea level with NO flood insurance required! This spacious 3, 960 sq ft home features 4 bedrooms, 3.5 baths, an office, loft, and bonus room, offering versatile space for families or multigenerational living. Boaters will love the covered dock with 6, 000 lb boat lift, jet ski lift, and composite decking, all overlooking the Indian River. Enjoy direct river frontage, and easy access to sandbar islands, dockside restaurants, and more. The home features a private in-law suite with its own entrance, kitchen, living room, bedroom, and bath--perfect for guests or rental income. Upstairs, the luxurious primary suite offers floor-to-ceiling windows, private balcony, jacuzzi tub, and walk-in shower overlooking the water. A coral stone fireplace, tankless gas water heater, stainless steel appliances, and new metal roof (2022) add both charm and function. See ''MORE''