Fall in love with this Baldwin Harbor home where charm meets smart living-with NO required Flood Insurance. This well-maintained gem is packed with thoughtful upgrades and features designed for comfort, convenience, and energy efficiency. Enjoy cozy radiant heated floors in the kitchen and bathroom, gas heating and cooking, plus ductless heating and cooling for year-round comfort. Tesla solar panels with TWO battery backups offer added peace of mind, while reported electric and solar lease costs total <$200 monthly! Recent siding with cedar shake vinyl siding, upgraded 200-amp electrical service, whole-house surge protection, a 2026 copper water service upgrade, and kitchen water filtration add to this home's appeal. Full basement with endless enjoyment, lounging, recreation and opportunities with convenient outside separate entrance, and existing connections for a potential third bathroom upstairs offer even more possibilities! Don't settle for ordinary in this market, when you can have a home that offers comfort, character, and value. MUST SEE ... REASONABLE TAXES, SMART UPGRADES, BIG SAVINGS, MODERN COMFORTS, STORAGE & CHARM GALORE.