RARE Updated 4 Bedroom Family home with Kids and adults family rooms in Harbor Palms with Assumable FLOOD insurance for HUGE SAVINGS! No hurricane damage. From the moment you approach this home you will notice the pride of ownership down to every detail from flooring to paint ,ceiling fans ,doors, bathrooms and much more. Completely remodeled from top to bottom in 2015, this home boasts a thoughtfully designed layout that includes both a living room and a family room, ideal for growing families or those who love to entertain. This home is move in ready and has a spacious layout and a HUGE Backyard perfect for a pool, pets and entertaining plus side yard for a dog run! Owners Flood Insurance is ASSUMABLE so buyer gets grandfathered pricing! Major Updates Include: HVAC: 3 ton system (2025), Roof (2013), Windows (2015), Electrical Panel (2019) with built in Kitchen GFCI, Main waste line ( 2016). Interior Updates include: Stylish laminate throughout (2015), with ceramic tile in kitchen and bathrooms, and travertine tile in the master bath and carpeted bedrooms. Custom Built ins include bedroom closets with built in shelving, and owner built hallway closet. Living Areas: Rare split of living room + family room for versatile use. Unique 4 Bedroom Layout: The 4th bedroom/flex room was converted from a large family room ( room was split) in 2015 and features a closet, sliding glass door, and sliding doors leading to a 10x10 concrete slab in the huge backyard. This 4th bedroom is perfect as a guest suite, office, or den .All bathrooms were updated from top to bottom in 2015 Master Bath: Travertine tile, new vanity with quartz countertop, shower, and oil rubbed bronze fixtures and second bath boasts a granite vanity, ceramic tile floor, and updated shower. Kitchen Remodeled in 2015 with granite countertops, granite composite under mount sink, and durable Forever Mark solid wood cabinets and 17 cabinets and 6 drawers provide plenty of storage. Includes all major appliances: Microwave (2020),Slate refrigerator, stove, and dishwasher (2015),Washer & Dryer (2015, included) . Step into a huge backyard with ample space for a pool, pets, and play! The 10x10 slab is perfect for outdoor seating or future enhancements. The central dining room ties the home together and offers a perfect space for family meals. Whether you're looking for a move in ready family home or a flexible layout with plenty of upgrades, this Oldsmar property checks all the boxes. Just a short stroll away, Harbor Palms Nature Park offers outdoor enthusiasts a kayak launch, an 18 hole disc golf course, a scenic boardwalk that leads to the water, and peaceful walking and biking trails. Nearby Sheffield Park adds to the recreational options with basketball and tennis courts, a baseball/softball field, and a dedicated dog park. This unbeatable location puts you close to shopping, dining, Mease Countryside Hospital, and much more.