Boaters, anglers, investors, and island dreamers - this is the one. Welcome to your turnkey waterfront retreat on Monroe Canal in the heart of Saint James City, offering direct boating access with no bridges to the Intracoastal Waterway. Designed for true island living, this property features a 5,000 lb boat lift, a 16,000 lb covered boat lift, and approximately 833 sq. ft. of composite dock/deck space where you can fish, relax, entertain, or launch your next day on the water. This beautifully updated 2-bedroom, 2-bath home also includes a bonus bunk room/office, 1,300 sq. ft. under air, a 300 sq. ft. screened lanai with outdoor shower, large patio, and low-maintenance rocked yard. Inside, you'll find an open layout, porcelain tile throughout, a spacious kitchen with large island, updated cabinetry, stainless appliances, inside laundry, and coastal furnishings that are negotiable, making the home feel bright, clean, and move-in ready. Major updates include plumbing in 2012, renovations in 2015 and 2022, metal roof in 2021, A/C and appliances in 2022, and drain field in 2020. For added peace of mind, the property also includes a custom $68,000 flood barrier system by FloodRisk America, complete with storage trailer. Enjoy waterfront dining, fishing, kayaking, boating, and sunset evenings from your own private dock. Furnishings, select items, and the saltwater hot/cool tub are negotiable separately, perfect for relaxing after a day on the water or cooling off during warm island afternoons.