Maintenance-free Florida living in Queen Anne Gate, an intimate gated community of just 42 villas in Palm Harbor - all ages welcome, and not part of Highland Lakes. This 3-bedroom, 2-bath villa with a 2-car garage offers 1,881 square feet of single-story living in Flood Zone X, meaning no flood insurance is required and the home sits in a non-evacuation zone. The low $320 monthly HOA covers cable TV, trash, lawn care, sprinkler system, shrub maintenance, pressure washing, gutter cleaning, and access to The Cabana's heated community pool and spa - true lock-and-leave convenience. Major systems are done: roof replaced in 2015, HVAC new in 2024, exterior paint in 2024, back patio recently resurfaced, and the guest bath refreshed with new shower tile and paint in May 2026. Inside, the split, open floor plan features 10-foot ceilings, plantation shutters, and ceiling fans in every room. The eat-in kitchen offers granite counters, 42-inch wood cabinets, stainless steel appliances, a closet pantry, and a pass-through to the formal dining room. A cozy fireplace room and spacious great room round out the living areas. The oversized primary suite includes a large walk-in closet, new window treatments, and a well-appointed ensuite with skylight, double-sink vanity, garden tub, walk-in shower with bench seating, and private water closet. The third bedroom features a Murphy bed, skylights, and a substantial closet - perfect flex space for guests or a home office. New porch pavers lead through a charming courtyard-style entry, and low-maintenance landscaping keeps weekends free. Location is unbeatable: minutes to the new Trader Joe's, Publix, restaurants, Gulf beaches, parks, and golf courses, with easy access to Tampa International Airport. Zoned for Palm Harbor University High School.