ASSUMABLE MORTGAGE at a 2.875% interest rate with an approximate remaining balance of $550,000! This is not a remodel—it's a full architectural reinvention taken down to the studs and rebuilt with intention. Located on exclusive Poinciana Island, this residence offers unobstructed Intracoastal views overlooking the Oleta River and Oleta River State Park, delivering rare water-and-greenery privacy. Over $500,000 in high-end renovations include a $65K Mia Cucina kitchen, panel-ready Thermador appliances with dual-temp wine refrigeration, custom stone counters and sinks, and $60K in bespoke millwork by Obscure Design featuring a hidden powder room, integrated bar, custom storage, and elevated primary bath design. The floor plan was completely re-engineered with wider pathways, increased storage, floating stairs, and a fourth convertible bedroom/den. Additional upgrades include French oak hardwood floors, spa-style primary bath with touch-control steam shower, custom lighting, full smart-home infrastructure, and electronic window treatments. Property includes approved permits and plans for a private deeded boat dock, a mudroom with separate entrance, and a second-floor bedroom terrace adding future square footage and outdoor living. Thoughtfully designed, smart, and future-ready.