Welcome to this charming coastal home with DIRECT GULF ACCESS located in a desirable area of Hernando Beach! This 2-bedroom residence features a unique 3rd story loft (or 3rd BEDROOM) with an outdoor open deck featuring synthetic decking and INCREDIBILE GULF VIEWS! The kitchen has been beautifully remodeled and boasts granite counters, shaker cabinets, a pantry, stainless steel appliances, an island, and breakfast bar for additional seating. The split bedroom floor plan offers privacy and convenience. The primary bathroom has been recently updated with a new double sink vanity featuring granite countertops and a spacious walk-in shower. Throughout the second level, you will find stunning wood floors that add warmth and elegance to the home. The second level features an outdoor open deck area perfect for grilling and entertaining guests or enjoy sipping your morning coffee in the screened in sitting area. Either one, you will love this feature of the home! The backyard is generously sized and offers ample space for a future pool, perfect for enjoying the coastal lifestyle. The rear of the home faces west, providing breathtaking sunset views over the Gulf. The Multiple decks offer panoramic views of the Gulf and the surrounding conservation area. For boating enthusiasts, this property includes TWO DOCKS AND A SEAWALL WITH A CAP! TRASFERABLE FLOOD INSURANCE FOR ONLY $795! The AC unit was replaced in 2021, and impact windows were installed in 2011, ensuring energy efficiency and storm protection. The roof is 2008. Additional storage space is available on the ground level, including a shed and a remarkable 364 square feet of enclosed storage. This home offers everything you need for comfortable coastal living. Don't miss out on this incredible opportunity. Schedule your showing today!