No HOA, no CDD, and a 2024 pool and spa on 0.65 acres of waterfront. At the end of a quiet Holiday Harbor cul-de-sac, this 4-bed, 3.5-bath home sits on navigable canal water with Intracoastal views, shared dock access, and minutes to the beaches and Mayo Clinic. The backyard shines: a 30x20 pool and 10x10 spa with sun shelf, bubblers, LED lighting, Pentair automation, shell stone decking, and an extended-view screen enclosure. Inside, 3,300+ sq ft offer a split-bedroom plan with a flexible in-law layout, a media room, and a great room with soaring ceilings, a wood-burning fireplace, and water views. The kitchen features granite, stainless appliances, a breakfast bar, and a sunny nook. The owner's suite has a sitting area and a private balcony over the water. Wood and travertine floors, crown molding, and zoned HVAC complete the home. Mature landscaping on a corner lot offers privacy without hiding the view. Waterfront with no HOA is rare in 32224. Enjoy a shared dock on navigable tidal water, while the home's thoughtful positioning offers exceptional privacy, creating a tranquil setting that's perfect for both everyday living and entertaining.