Discover a rare opportunity to own a CUSTOM RENOVATED luxury WATERFRONT home in the exclusive Yacht Club Island Estates with EASY OWNER FINANCING AVAILABLE AT 4.99 percent WITH 25 percent DOWN. the only gated Intracoastal Waterway community in New Smyrna Beach offering direct deep water access. Available for the first time in over 25 years, this meticulously maintained coastal estate is a true waterfront treasure, showcasing panoramic views of the Indian River and featuring a private two slip dock, lifts and station to clean your catch of the day. Nestled within an intimate gated enclave of just 23 homes, this property blends timeless design with modern upgrades in one of Florida's most coveted fishing and boating communities. The residence offers 4,281 square feet of refined interior space (5,180 total square feet under roof), including 4 bedrooms, 4.5 bathrooms, and flexibility for a secondary primary suite on the main levelideal for multi generational living. From the smooth stucco exterior and brick paved driveway to mature landscaping and privatcourtyard entry, every detail of this home reflects high end coastal living. Inside, the open concept layout features 10 foot ceilings and uninterrupted sightlines of the waterway, beginning with a formal living and dining space that flows seamlessly to the spacious family room anchored by a stunning coquina stone gas fireplace with river views to soothe the soul. The remodeled chef's kitchen serves as the heart of the home, featuring new custom cabinetry, granite countertops, designer lighting, premium appliances, wine fridge, breakfast bar, and a bright breakfast nook. The expansive primary suite offers French doors opening to the sunroom and out to the pool area. Dual walk in closets, and a spa inspired ensuite with double vanities, a jetted soaking tub, and a walk in shower. Upstairs, three additional bedrooms and two bathrooms are complemented by a private balcony overlooking the Intracoastal Waterway. Ideal for entertaining, the 35 foot Florida sunroom features an artist designed custom bar with a wet sink which opens to an outdoor oasis with new sliding glass doors, a resort style "volleyball" pool, and a waterfall cascading from the spa. The fully fenced, low maintenance backyard leads directly to the dock, enhanced by water to dock vinyl wrapped pilings for lasting durability. Additional features include NEW HVAC systems, Anderson Renewal energy efficient windows, a Generac whole home generator and central vacuum, interior laundry room, walk in pantry, and an oversized 3 car garage. This exceptional waterfront property combines luxury, comfort, and functionality in a prime New Smyrna Beach location near the Yacht Club, Historic Canal Street, Flagler Avenue, premier golf courses, and the beautiful sand beaches of the Atlantic Ocean. From sunrise to sunset, this home offers a front row seat to the natural beauty of coastal livingDon't miss your opportunity to own this one of a kind waterfront home at 1216 Commodore Driveschedule your private showing today and experience the very essence of Florida and life on the water.