BUILD-READY 1.42 ACRE BAY LOT - FLOOD ZONE X - NO WETLANDS. Don't miss this amazing lot in the prestigious gated community of Gramercy Plantation. Many bay-view lots in the area face expensive wetland setbacks and high-velocity flood zone requirements, Lot 105 has already been professionally vetted and improved and is ready to build. --WHY THIS LOT STANDS OUT: SUPERIOR ELEVATION: The main buildable area is situated in Flood Zone X (500YR). This means flood insurance is NOT required by lenders, and building is significantly more economical than in VE or AE zones. --ZERO WETLAND ISSUES: Confirmed by a wetlands environmental survey by Garlick Environmental Associates ($875 value). Unlike many neighboring lots, this parcel has NO restrictive FDEP wetland setbacks, allowing for a much larger and more flexible building envelope. --SITE PREP COMPLETE: This lot is cleared and ready. A professional house pad has been created and compacted (Soil/Compaction tests on file). Driveway and culvert are already in place-many tens of thousands in improvements are already finished. --SEPTIC & UTILITIES: Site is septic-ready with a 4-BR permit issued (Permit #19-S1-2801437, recently expired 4/26/25, buyer to renew). City water and electricity are available at the lot line. --SURVEY INCLUDED: A full boundary and elevation survey is included ($2,550 value), showing that the Storm Water Easement and Building Setback Lines common to Phase 2 do NOT interfere with the primary buildable area of Lot 105. --COMMUNITY & LIFESTYLE: Gramercy Plantation is a private, gated subdivision offering a luxury community pool, clubhouse, and tennis courts. Short-term rentals ARE allowed! The HOA bay-front dock is scheduled for a rebuild soon, with quotes obtained and funded by HOA reserves. -SPECS: 1,800 SF minimum, metal roof, no vinyl siding, 2-car garage. HOA requires 42* above grade, though variances for 24* have been frequently approved. Buyer must verify all details and permits. Owner/Agent.