Discover the perfect waterfront retreat in the desirable Montego Bay community! This beautifully upgraded build-over home offers approximately 40 feet of vinyl bulkhead, making it ideal for boating enthusiasts. Featuring 3 bedrooms, 2 bathrooms, and a thoughtfully designed split-bedroom floor plan, this home exudes both comfort and functionality. The interior boasts premium finishes, New Kitchen Appliances, including granite countertops, farm sink, high-quality kitchen cabinets, and durable LVP flooring done 2024. A dedicated laundry room adds convenience, while the screened-in porch, waterfront deck, and ground-level brick walkway provide plenty of space for outdoor relaxation and entertaining. Situated close to the beach and community amenities, this move-in-ready home offers the ultimate coastal lifestyle. Donot miss the opportunity. This is the one you have been waiting for. The Community amenities include features 3 pools (including a wading/kiddie pool for the little ones), 2-tennis courts, pickle ball courts, 9-hole miniature golf course, a shuffleboard court, a bayfront boardwalk with 3-fishing piers, a canal front fishing & crabbing area, an 8-acre wildlife sanctuary/pond with a 1/2 mile with blacktop walking/jogging path, a 5-acre open park and street lighting with a lamp-post at every residence. Additional amenities include city streets & sidewalks, city water & sewer, and city trash collection. The HOA fees are just $396 a year. SUMMER IS COMING!!!