Bank-Owned Bayfront Retreat with 123 linear feet of Water Frontage and Private Pool in Emerald Bay. EXTREMELY FLEXIBLE OWNER FINANCING AVAILABLE. This custom built home yields panoramic views of the Choctawhatchee Bay at every turn. All bedrooms face the Bay. Sweeping views of the Bay flow artfully throughout the home's wide expanse of windows, while the open floor plan mimics the breezy open-air feel of the surrounding landscape. The bayfront pool and hot tub can be easily accessed by the living room, kitchen and master suite. A private T-dock is perfect for fishing and sunning  and watching the sunset across the Bay. The gourmet kitchen features granite counters, stainless steel appliances, center island, large walk-in pantry and breakfast bar. Conveniently located on the first floor, the Master Suite offers sweeping Bay views, trayed ceiling, two spacious walk-in closets, and immediate access to the pool area. The master bath features a spa tub, dual basin vanity with dressing table, and separate standup shower. All three guest bedrooms extend Bay views and open to the second-floor covered balcony. This is one of a few homes in the area that features a home office with its own private entrance. A media room and bonus room provide additional entertaining and sleeping space on the second floor. This home also offers two Rennai tankless water systems, which provide an endless supply of on-demand hot water. The private, gated golf community of Emerald Bay features a large community swimming pool, tennis courts and guest house.  PROPERTY TO BE SOLD ''AS IS''.