Welcome to a truly one-of-a-kind waterfront retreat in unincorporated Clearwater near Dunedin. Situated on over half an acre along the shores of Harbor Lake, this fully renovated property offers an exceptional blend of luxury living and resort-style amenities, while also offering the rare benefit of being located outside of a flood zone with no HOA restrictions. Extensively renovated in 2025 with upgrades including a new roof, new water heater, newly resurfaced pool, and new pool heater, this expansive residence features 4 bedrooms plus an enclosed sunroom/office, 3 bathrooms, and approximately 2,867 square feet. Step outside into your own private lakeside oasis featuring a heated pool, expansive entertaining areas, and direct access to Harbor Lake - a rare 40-acre spring-fed lake where boating, kayaking, and fishing are permitted. The oversized fenced lot includes abundant parking with room for boats, RVs, and recreational vehicles. The spacious primary suite and additional upstairs bedroom open to a large screened balcony overlooking the pool and lake, offering breathtaking sunset views and a true retreat-like experience. Whether used as a full-time residence, second home, luxury vacation property, or short-term rental, this property offers unmatched versatility. Furnishings available separately for purchase, making this a potential turnkey opportunity. Ideally positioned near Dunedin, Clearwater Beach, Honeymoon Island, MLB Spring Training fields, golf courses, shopping, dining, and Tampa International Airport. This exceptional property delivers the best of Florida waterfront living with privacy, flexibility, and lifestyle at its core. Rarely does a property combine this level of location, land, water access, renovation quality, and income potential in one offering.