No flood insurance required. No storm damage. High and dry in St. Pete. In a market where flood risk and insurance costs matter more than ever, this home stands out. Located in Coquina Key, this 4-bedroom, 2-bath home offers a rare combination of affordability, updated major components, and peace of mind - all under $400K. The home features a practical, flexible layout with four bedrooms that can function as sleeping space, office space, guest space, or hobby space depending on your needs. The footprint is efficient, making it a strong fit for buyers who value location, updates, and lower ownership concerns over wasted square footage. Major updates include A/C 2023, Roof 2021, water heater 2021, electrical 2021 and windows 2021. The large lot provides usable outdoor space with room for pets, entertaining, storage, gardening, or future possibilities. This property offers an important distinction among others in the area: it is not in a lender-required flood zone and did not experience flood damage. That makes it one of the more compelling ownership opportunities in the neighborhood. Minutes from downtown St. Pete, waterfront parks, restaurants, shopping, and major local conveniences, this is a smart option for buyers looking for value, flexibility, and peace of mind