This home qualifies for a 4. 59% rate for the first 7 years ask for details!! Tucked into an x flood zone, this charming 2 bed, 1 bath (main house) bungalow offers a rare combination of character, flexibility, and opportunitycomplete with a fully finished 1/1 studio adu (mother in law suite/apt) that opens the door to so many possibilities. From the moment you step onto the welcoming front porch, theres a sense of timelessnesswhere classic design and enduring craftsmanship come together. Inside, the home is filled with warmth and personality, highlighted by rich wood trim, high baseboards, crown molding, and original style details that give the space its unique identity. Engineered hardwood floors run throughout, while natural light pours in, enhancing the inviting feel. At the heart of the home, a cozy wood burning fireplace creates the perfect setting to relax and unwind. The dining room, wrapped in windows, offers a bright and airy space that easily transitions from everyday meals to entertaining. Just beyond, the kitchen blends function and charm with warm wood cabinetry, updated counters, stainless steel appliances, and a layout designed to make daily living effortless. Important updates have already been taken care of, including updated windows (2023), newer roof (2023), electric water heater, and a stackable washer/dryerallowing you to enjoy the home with confidence. Both bedrooms are peaceful and light filled, while the bathroom maintains the homes classic appeal with traditional tilework. And the real bonus a finished accessory dwelling unit (adu) set just behind the main home. This private space offers incredible versatilityuse it as a 3rd bedroom w/2nd bath, a guest retreat, in law suite, home office, or even explore rental income potential. With vaulted ceilings, a kitchenette, and upgraded sliders leading to its own private patio area, it feels like a retreat all on its own. And when it comes to location, its hard to beat. Youre just a 4 minute drive to main st in downtown dunedin, about 30 minutes to tampa international airport (tpa), 25 minutes to st. Peteclearwater airport (pie), and less than 15 minutes to clearwater beach. Plus, youre close to shopping, grocery stores, cafes, and everything you need day to day. Old world charm modern day comfort endless opportunity whether you're looking for a place to call home, a flexible living setup, or added income potentialthis property delivers on all fronts