Seller is offering owner financing, presenting a rare opportunity for flexible purchase terms in this beautifully maintained, FULLY furnished 2-bedroom, 1-bath condominium located in the desirable Kalmia 55+ Community in Clearwater. This move-in ready second-floor unit offers comfort, convenience, and exceptional value just minutes from beaches, shopping, dining, airports, and medical facilities. Enjoy affordable Florida living in a bright and inviting open-concept layout designed for comfortable everyday living and entertaining. The updated kitchen features granite countertops, shaker-style cabinetry, pantry storage, and a convenient eat-in area. Spacious living and dining areas are filled with natural light, while both generously sized bedrooms include walk-in closets and excellent storage. Major updates have already been completed, including A/C (2026), roof (2025), windows (2020), and electrical system (2024), providing peace of mind and low-maintenance ownership for years to come. Additional conveniences include assigned covered parking, elevator access, private storage, and a fully furnished interior allowing for an easy move-in experience. Residents of Kalmia enjoy resort-style amenities including a heated pool, clubhouse, shuffleboard courts, community laundry facilities, and beautifully maintained grounds. The monthly HOA fee includes cable, internet, water, sewer, trash, exterior maintenance, insurance, and full access to community amenities, offering strong overall value. Whether you’re searching for a seasonal retreat or affordable year-round Florida living, this turnkey Clearwater condo is a great opportunity in a highly convenient location.