Flood insurance is INCLUDED in the HOA, and this property is eligible for Florida Homestead Exemption, offering the potential for significant property tax savings for an owner-occupant. That means lower monthly carrying costs and added peace of mind, two major benefits that are hard to find in Southwest Florida today. Welcome to Palm Frond, a hidden gem tucked inside a quaint, owner-occupied, dog-friendly community just minutes from downtown Fort Myers and Sunset Harbor. With no rentals permitted, this neighborhood offers a true sense of community, pride of ownership, and a peaceful atmosphere where neighbors genuinely care. One of the largest units in the development, this well-maintained home features a bright and inviting layout along with a private patio garden that's perfect for morning coffee, container gardening, or relaxing after a long day. Recent upgrades include a new roof, new fencing, updated kitchen, new bedroom flooring, and a brand-new exterior storage closet for added functionality and convenience. Whether you're searching for a full-time residence, seasonal escape, or low-maintenance Florida lifestyle, this move-in ready home delivers comfort, charm, and value in an increasingly hard-to-find price point. Cozy, updated, and close to everything - come discover why Palm Frond feels like home.