No HOA, bayfront, and ready to enjoy! This upgraded Mobile Bay home sits on a private road in unincorporated Baldwin County on the Fort Morgan peninsula. With no HOA dues or association approvals, you’re free to use it as a full-time residence, a second home, or a short-term, vacation or long-term rental. It is currently self managed and nets around 30K with potential for even more (current owner uses it several times a year). Outdoor living is the star here: a swim spa (heated and cooled pool and hot tub), a private sandy beach on the bay, and a fully equipped outdoor kitchen with grill and bar. There’s also a fire pit table, an outdoor shower, and a private dock with lighting and a fish cleaning station. Inside, the open living, kitchen and dining area is filled with natural light and bay views, with granite countertops, new flooring, completely furnished upstairs and downstairs, two fully remodeled bathrooms and complete set of hurricane shutters . The home is built for the coast, with hurricane-rated windows and sliding door, Hardie Board exterior, a metal roof, Trex decking and a new bulkhead/seawall. Other upgrades include PEX plumbing, new HVAC ductwork, a whole-home humidifier, a security system and an elevator/cargo lift. A separate downstairs apartment (approx. 320 sq ft) with its own full bath adds room for guests or extra rental income. There’s a double carport, and the home is between Gulf Shores and historic Fort Morgan. 2001 Seadoo Spark conveys with the purchase of the home. Buyer to verify all information during due diligence.