Enjoy waterfront living with a direct route to McKay Bay-perfect for fishing, boating, and nature lovers. This rare opportunity offers privacy and peaceful surroundings with NO HOA and NO CDD, yet is just minutes from Downtown Tampa, Brandon, shopping, dining, and major highways. The home is habitable and full of character, but requires interior repairs following flooding during Hurricane Helene. Drywall was cut and treated, but restoration is needed - providing an excellent opportunity to renovate and truly make this waterfront retreat your own. This single-family home currently offers a double primary bedroom layout which can easily be converted back to a 2-bedroom configuration. Interior features include an eat-in kitchen, dining area, spacious great room, and terrazzo floors throughout. The spacious, fully fenced lot includes mature landscaping, bamboo and fruit trees, plenty of room for a garden, and a large backyard with space to add a dock, seawall, or other waterfront improvements. A separate rear storage shed provides additional space for tools or water equipment. This property is priced to sell and won't last long.