**Seller Financing Available**Waterfront Elegance in Banyan Bay-Now Upgraded Even Further! This rarely available Mediterranean-inspired townhome offers one of the best water views in the entire community, overlooking the pond, pool, and Little Bayou on Tampa Bay. Since purchasing, the owners have made major improvements, including two brand-new dual-zone A/C systems, a large expanded waterfront patio, and professionally engineered custom flood barriers for all first-floor exterior doors-adding peace of mind to a property that has never experienced water intrusion, even during recent hurricanes. Offering nearly 2,300 sq. ft. of refined living space, this 3-bedroom, 2.5-bath home with a flexible loft blends modern comfort with timeless Mediterranean style. The open kitchen flows into the dining and living areas, capturing sweeping water views through hurricane-rated windows and doors. Stainless steel appliances, granite counters, and a generous pantry complete the chef-friendly design. The newly enlarged patio provides a private outdoor oasis-ideal for entertaining, morning coffee, or enjoying sunsets across the bay and the glistening pool. Upstairs, soaring ceilings enhance the sense of space. The primary suite is a true retreat with tray ceilings, a spa-style ensuite with garden tub and walk-in shower, dual vanities, and a custom-built dressing closet. Two additional bedrooms-including one with a private balcony-offer versatility for guests, a home office, or hobbies. The loft adds another flexible space perfect for work or relaxation. Additional features include the new A/C systems, energy-efficient construction, hurricane-rated windows/doors, a durable tile roof, first-floor laundry, abundant storage, and an oversized garage. Banyan Bay is a private, gated community offering resort-style amenities including a waterfront pool, community dock perfect for fishing, and beautifully maintained grounds. The HOA provides low-maintenance living, covering insurance, exterior care, landscaping, cable, internet, water, sewer, trash, and more. Perfectly positioned along the shores of Tampa Bay, this home is minutes from vibrant downtown St. Petersburg, world-class beaches like Fort De Soto and Pass-a-Grille, St Pete Beach, and convenient access to Tampa. This is a rare opportunity to own an upgraded, move-in-ready waterfront residence in one of St. Pete's most desirable gated communities. Schedule your private showing today!