A Rare, Custom-Built Freshwater Canal Estate on a Fully Fenced Triple Lot-Safely Located Outside the Flood Zone with NO Flood Insurance Required! ON THE MARKET AT A DETONATED PRICE-APPRAISED SIGNIFICANTLY HIGHER! Why settle for a cramped, cookie-cutter house on a tiny lot? Welcome to 1316 NE 20th Street, a custom-built waterfront fortress situated on a rare, sprawling 0.34-ACRE TRIPLE LOT that guarantees incredible privacy, expansive space, and a lifestyle that stands entirely on its own. The absolute crown jewel of this estate is the oversized, extra-deep 3-car garage, fully outfitted with its own independent mini-split air conditioning system! This pristine, climate-controlled space is an absolute dream layout for classic car collectors, premium workshops, or immaculate toy storage. Financial peace of mind is built right into the location: situated high and dry in a coveted X-Flood Zone, this home requires ZERO mandated flood insurance, instantly saving you thousands of dollars annually compared to high-risk coastal areas. Step inside to discover over 2,600 square feet of custom architectural luxury. A massive, wide-open great room greets you with soaring volume ceilings and panoramic views out to your private backyard resort. The chef-inspired kitchen features custom cabinetry and premium wrap-around countertops perfect for high-end entertaining. Step out onto the expansive brick paver lanai to enjoy your massive saltwater pool, or walk down to your private concrete dock equipped with a protective boat canopy right on a wide, serene freshwater canal. Every inch of this property radiates structural integrity and custom scale that you simply cannot duplicate in today's rapid new-construction builds. Do not leave your equity on the table-schedule your private tour today!