No HOA, No Flood Insurance Required - Updated 4/2 with 1/1 In law Suite. Find your perfect home or a charming duplex in Clearwater, a block from the water with no flood insurance required! This captivating property offers a generous layout on the primary floor featuring four bedrooms, two bathrooms, a contemporary kitchen with updates, central heating and cooling, new floors, and high ceilings. The second floor unveils a flexible one-bedroom, one-bathroom apartment complete with its own kitchen, perfect for earning extra income, transforming into an art studio, setting up as an in-law suite, or using as guest accommodation or Airbnb—the potential is limitless! Ready to move in, this home boasts a recent roof, modern appliances, a fenced backyard, and off-street parking with a covered carport and an automatic garage door opener leading to the back alley. The apartment has a separate side entrance and a cozy private patio. Its excellent location allows for a water view from the front of the house, without the worry of flood insurance, and plenty of space for parking boats or RVs. Each unit has its own water heater, cable, and laundry facilities, offering flexibility for either independent or integrated use. Just minutes from Downtown Dunedin and Clearwater, you're near fantastic breweries, restaurants, and award-winning beaches. Don't miss this unique and exceptional chance—contact us now to arrange a viewing!