Energy-efficient, move-in ready 3-bedroom, 2-bathroom concrete block home with a bonus flex room, covered carport, NO HOA, and NO CDD in Temple Terrace, FL 33617. Sitting in Flood Zone X, so flood insurance is not required by most lenders. The expensive stuff is already handled here: the solar panels will be fully PAID OFF with no lease to assume, no loan to inherit and they keep the monthly electric bill down to an average of $20 monthly. The HVAC was replaced in 2021, the electrical was updated in 2019, and double-pane insulated windows were installed in 2012 for energy efficiency, sound reduction, and lower utility costs year-round. Low cost of ownership isn't a buzzword here, it's the whole setup: no HOA dues, no CDD fees, a minimal electric bill, no flood insurance requirement, and updated major systems in a solid block construction mid-century home built in 1956.