One or more photo(s) has been virtually staged. *** Under Contract but Backups wanted! *** Beautiful 2004, totally updated WATERFRONT townhome in Cumberland Trace Townhomes in Largo. AC is brand new in 2024! A 10-year AC warrranty transfers! AC duct cleaning in 2024. NO FLOOD INSURANCE REQUIRED! No issues during Hurricane Helene or Milton! In addition to the two large bedrooms upstairs, this unit features a loft that could be used as a nursery, office, or guest bedroom. HOA is only $175 per month; yes, it covers your roof! Luxury waterproof vinyl flooring downstairs with ceramic tile in the kitchen and bathrooms. The floorplan is open and efficient, with no wasted space. Large peninsula counter in the kitchen with seating for at least three. Pendant lighting and track lighting. Under-the-counter rechargeable lighting. Custom backsplash (2016). There are gorgeous granite counters in the kitchen and both bathrooms. The kitchen has a newer (2021) stainless steel refrigerator, range, microwave, and wine refrigerator. The water heater was new in 2018. Custom blinds throughout (2019). The screened back patio has gemstone coating on the floor, was installed in 2015, and gives you an unobstructed view of the pond.  Pavered patio for your grill. The primary bedroom is BIG with a custom-painted accent wall, vaulted ceilings, plant shelves, and a huge pass-thru walk-in closet, with custom shelving leading to the spacious master bath. The garden tub is BIG! Double bowl sinks, granite countertops, custom frameless glass walk-in shower (2019), and plenty of lighting, including a large window. Indoor laundry closet on 2nd floor, near bedrooms, with recently installed (2024) 110v outlet to accommodate stackable units. The dryer vent was professionally cleaned (2023). The main water shutoff was replaced in 2024. 1-car attached garage with built-in shelving and 7000-watt generator with hook up. The generator was only used once, for 6 days, during the recent hurricane season. The front storm door is all glass with a built-in screen (2018). Gorgeous community swimming pool with a covered pavilion. You'll love the duck and turtle-filled pond in your backyard. Pond view from kitchen, dining, living, master bath, and primary bedroom. Only a handful of units in the subdivision are waterfront. Cumberland Trace is ideally situated near great schools, shopping, dining, and entertainment. These many upgrades are rare, and a clean and move-in-ready unit is even rarer. Check out the pictures!