MOTIVATED SELLER!! Priced at $10,000 below appraised value...contact listing agent for a copy of the $835,000 recent appraisal. Waterfront Living at Its Finest in Stone Bay! Life at 132 Gemstone is as easy as 1-2-3: metal roof, boat dock with 6,000 lb. lift, fence, shed, plenty of parking, no flood zone, and no HOA, all on 1 level offering waterfront living at its best. Your 3 Bed, 2 Bath 2200 SF custom-built brick home on Stone Bay has a boat lift and direct access to the Intracoastal Waterway and Atlantic Ocean within minutes. Set on high elevation outside the flood zone, this property combines durability and design with a reinforced 80-ft bulkhead, metal roof, 2-car side-load garage, storage shed, and parking for your boat and RV. Enjoy sweeping waterfront views and unforgettable sunsets from your spacious deck and stone patio with pergola. Inside, the open floor plan is filled with abundant natural light from large windows and anchored by luxury vinyl plank flooring, a gas fireplace, and a heated and cooled Carolina room that opens seamlessly to the outdoor spaces. The kitchen and dining niche overlook the bay and feature new stainless-steel appliances, updated faucets, smart storage, and water views from nearly every angle. The split-bedroom layout offers privacy, with a 16′ × 21′ primary suite that showcases dual walk-in closets, an ensuite bath with dual vanity, and a floor-to-ceiling tiled walk-in shower. Each waterfront bedroom provides outdoor access to capture the breeze and views. Additional highlights include a custom laundry space with pocket ironing board, utility room with built-ins, pull-down attic stairs, outdoor shower, full-yard aluminum fencing, and new high-end washer and dryer that convey. With a new HVAC (2024) and durable metal roof, this home is truly turn-key.