1239 WINDY BAY SHOAL One or more photo(s) has been virtually staged. Built Above Flood Elevation | Elevation Certificate Available | No Flood Insurance Required by Lenders Located in the waterfront community of Tarpon Key, this 4-bedroom plus bonus room, 3.5-bath pool home offers elevated construction, functional living space, and long-term value. Built above Base Flood Elevation (BFE) and marked safe from the storms of 2024, this property provides structural confidence and insurance advantages buyers are actively seeking. The main level features formal living and dining areas and an open-concept kitchen and family room overlooking the private saltwater pool and spa. The kitchen includes granite countertops, solid wood cabinetry, stainless steel appliances, a walk-in pantry, and a large breakfast bar and dining nook suitable for everyday living and entertaining. The primary suite is located on the first floor and includes dual walk-in closets, dual vanities, a walk-in shower, and a private water closet. Upstairs offers a loft and expansive bonus room that can easily function as a fifth bedroom, home office, gym, or media room, 2nd bedroom with direct bathroom access, plus two additional bedrooms (3 & 4) connected by a Jack-and-Jill bath with dual sinks. 2 of the 3 upstairs bedrooms feature walk-in closets. Outdoor features include a covered patio, a screened lanai, a fully fenced yard, a saltwater pool and spa, and a prepped area for heater installation. Permanent hurricane shutters and a motorized rear slider shutter allow the home to be secured quickly. Additional neighborhood and property details: The HOA owns approximately six feet beyond the rear fence line. Natural gas line installation is feasible and was previously explored for a pool heater. The HOA has approved private wells, subject to proper permitting through Pinellas County and the City of Tarpon Springs. Community amenities include sidewalks throughout, a private gated community boat ramp, fishing pier, and boat storage. Located minutes from the Tarpon Springs Sponge Docks, Gulf beaches, waterfront dining, and shopping. Elevated construction, flexible floor plan, first-floor primary suite, private pool, waterfront community amenities, and no lender-required flood insurance position this home as a strong value opportunity in Tarpon Springs.