Experience coastal living in this one-of-a-kind upscale home located in Terry Cove Harbor subdivision, perfectly situated across from the water with beautiful bay views. This exceptional three-story residence offers 4 spacious bedrooms and 4.5 bathrooms, designed with both luxury and functionality in mind, with 9 ft. ceilings throughout and crown molding on the upper two floors. The open-concept main living area features a stylish gas fireplace, creating the perfect gathering space. The main level also includes the private primary suite with a beautifully appointed bath with a large stained-glass window, two extra-large closets, along with an additional guest bedroom, full bath, and a large closet, for added convenience. The upper level offers two generously sized bedrooms, each with its own full bath and large closets, while the lower level features a comfortable den, a half bath, abundant interior storage, and easy access to the home's covered parking areas. Enjoy a beautifully landscaped, fenced backyard complete with a covered entertaining area for barbecues and outdoor gatherings. Relax on the covered front porch while taking in peaceful bay views or unwind on the covered back porch overlooking the private backyard. An electric lift provides added convenience between levels. The house is prewired for a security system, generator, and well water for the sprinkler system. Residents of Terry Cove Harbor enjoy outstanding community amenities, including a private boat ramp, boat trailer storage, fishing pier, swimming pool, tennis, and pickleball courts—making this a true coastal lifestyle destination. Whether you're looking for a primary residence or a luxury coastal retreat, this remarkable home offers the perfect blend of elegance, comfort, and resort-style amenities. Buyer to verify all information during due diligence. Square footage information is from courthouse records.