4790 MICHAEL LANE RARE OPPORTUNITY: LOW RATE, FLEXIBLE TERMS SELLER FINANCING AVAILABLE! ~ Brand New Septic System ~ This beautiful, energy-efficient coastal retreat offers a flexible path to ownership in one of Florida's most desirable beachside communities. Just two blocks from Ponce Inlet's quiet, no-drive beach, this thoughtfully maintained 3-BD, 2-BA home blends timeless design, sustainable updates, and laid-back coastal charm. Step inside to discover a bright, open-concept floor plan filled with natural light from hurricane-rated windows and front door. The kitchen features a Dutch-style design with a spacious island and bar seating — an inviting spot for casual meals and entertaining friends. A cozy library area with built-in recessed bookshelves surrounds a charming brick wood-burning fireplace, while the primary suite includes a walk-in closet and French doors that open directly to the pool. LEED-inspired updates highlight energy efficiency, healthier indoor air, and premium USA-made materials featuring high-gloss, recyclable VCT flooring that enhances natural light and an energy-efficient HVAC system with new ductwork designed for optimal comfort and performance. Step outside to your private, fenced sanctuary designed for easy coastal living. Enjoy the open-air pool and spacious concrete patio perfect for sunny afternoons or starlit evenings. Majestic oak trees provide natural shade, privacy, and protection across the nearly .25 acre lot, complemented by durable aluminum fencing and thoughtful natural elevation and drainage that keep the yard dry and comfortable year-round. Recent major updates include a new septic system, new HVAC, new hurricane-impact windows and front door, Hardy board siding on gables, new gutters, soffit, and exterior paint. The property has been maintained pesticide- and chemical-free for years, creating a healthier, more natural outdoor environment. Nestled on a quiet residential street with minimal traffic, yet just 2 blocks from the no-drive beach, Ponce Inlet Lighthouse, marinas, and waterfront dining, this home perfectly captures the relaxed coastal lifestyle Ponce Inlet is known for. Whether you enjoy surfing, fishing, paddleboarding, biking, boating, or evening golf cart rides to local restaurants, life here moves at the perfect pace. Don't miss your chance to own this slice of paradise with flexible, low-interest-rate seller financing and negotiable terms. This is your opportunity to make your Florida beach dream a reality.