Welcome to this charming Clearwater block home offering a spacious, flexible layout on a generous 9,339 sq. ft. lot. This 2-bedroom, 1-bath home features 1,336 sq. ft. of living area with two separate living spaces-a comfortable living room and large family room-plus a bright bonus room/office ideal for working from home, hobbies, or flexible living space. A standout opportunity for qualified buyers: an assumable FHA mortgage with a 4% interest rate, subject to lender approval and FHA assumption requirements. This may provide a significant financing advantage compared with obtaining a new mortgage at current market rates. Hardwood, laminate, and tile flooring add character and practicality throughout. Central HVAC serves the entire home, including the bonus room, and the main bathroom features a separate bathtub and shower. Enjoy a covered screened lanai and spacious backyard with room for entertaining, gardening, relaxing, or future improvements. Additional features include a covered carport, driveway parking for multiple vehicles, laundry and utility space, and durable block construction. Conveniently located near Gulf beaches, shopping, dining, parks, and major commuter routes. A Clearwater home with character, space, flexibility, and an exceptional financing opportunity.