Owner Builder, Custom Built - Waterfront Florida Cottage on Alaqua Creek. Qualifies for 100% USDA Financing!This MUST SEE one-of-a-kind, custom waterfront home, designed by Designs by Vision, showcases exceptional craftsmanship and innovation. It features the patented Ty-Rite System, a revolutionary piling installation method where no wood touches the ground, ensuring superior durability and longevity. This system makes this home stronger than any other wood-pile waterfront home in the area! The home is elevated on wood pilings with a solid concrete foundation, enhancing flood protection, promoting air circulation beneath the structure, and significantly reducing long-term maintenance costs. The elevation also provides ample space to store a 20' boat and park up to four vehicles Enjoy stunning views of Alaqua Creek from the spacious 10' x 20' covered porch, complete with custom steel-capped handrails. Inside, the open-concept living and kitchen area with an island offers incredible waterfront views. and is outfitted with custom solid wood cabinetry built from inch poplar wood, finished with crown molding. The kitchen features 1.5" thick granite countertops, a large island, 9' ceilings with crown molding, waterproof vinyl wood flooring throughout, LED lighting, and Whirlpool appliances. The home is equipped with a 2 Ton Carrier HVAC system with heat pump (14 SEER) for year-round comfort. Bathrooms include custom solid wood vanities, granite countertops, and ceramic tile flooring. Exterior features include Hardy board front siding, 29-gauge steel metal roofing and siding, a mound septic system, and a 4" well with two advanced filtration systems to ensure clean, safe water. The home is also pre-plumbed for an outdoor shower, perfect for rinsing off after fishing or watersports days or gardening. Recently pressure washed, the home is designed for low maintenance and watertight performance. Affordable home on deep water that goes out to the Bay! Located near the Alaqua Creek Park Public Boat Launch, this property offers direct and quick access to Choctawhatchee Bay. No comparable homes in the area for this price. Homeowners and Flood insurance is very affordable, and utility bills remain low! Best of all, there are no HOA fees or restrictions