WOW - Total insurances $3100 annually for wind, fire and flood! Your monthly PITI could be about $4400 or less. Gated Islander Estates with expansive open water views and direct boating access as the property will convey coveted permit for a boating dock. The large open floor plan features 3 bedrooms and 2 baths, travertine tile, granite counters, stainless appliances, solid wood cabinets and walk-in closet. You must see the views of Cow Key Channel and beyond from the 10 covered lanai. Downstairs features a 2+ car garage, private fenced yard, outdoor shower, generator hookup, and endless possibilities for a covered outdoor entertaining area and pool. Metal roof, hardi-board siding and impact windows/doors. Built to withstand 180 mph winds and elevated 12 feet.