Welcome to 400 W 2nd Street, an exceptional waterfront estate offering privacy, space, and direct access to the water in the heart of Lynn Haven -- with owner financing available. Situated on an oversized 2-acre corner lot with roughly 300 feet of waterfront in a very private, quiet setting, this impressive two-story residence features 5 bedrooms, 5.5 bathrooms, and approximately 5,111 square feet of living space. Built with a solid brick exterior, thick walls, and 2x6 framing, the home is designed for both everyday living and entertaining, offering a spacious open floor plan, vaulted ceilings, stained glass windows and doors, a custom gas fireplace, and beautiful views of the bay and yard from multiple rooms. The main-level primary suite includes his-and-hers walk-in closets, and an additional downstairs bedroom with a full bath and private access to the pool area -- currently used as a media room -- offers excellent flexibility as a guest suite, mother-in-law suite, or home office. The chef's kitchen overlooks the fenced-in pool area and is outfitted with all-new appliances, including double ovens, a gas cooktop, and a Viking warming drawer. Upstairs, three additional bedrooms each have their own private bathroom, alongside a large recreation room overlooking the water with a wet bar that opens to a sun deck, plus three bonus rooms totaling over 800 square feet -- ideal for a fitness room, game room, craft room, office, or man cave. A 110-square-foot walk-in attic provides endless additional storage. Recent updates make this a true turnkey property: a newly replaced roof (2023), two new HVAC units, three new water heaters (including one tankless), new central vacuum, new windows, and mostly new doors and floors throughout. The oversized laundry room offers extra storage, and a long circular driveway provides ample additional parking. Outside is where this property truly shines. Enjoy your private pool -- freshly fitted with a new liner and filter system for minimal maintenance -- beautifully landscaped grounds, a fish-stocked pond, mature trees, and flowers blooming in every season. The fenced garden area includes raised beds already in place plus a garden shed, perfect for a vegetable garden. Boaters will appreciate deepwater access to North Bay and the Gulf from the brand-new (2024) dock, featuring high-end composite decking, a boat lift, outdoor shower, and fish-cleaning station. Whole-yard irrigation keeps the grounds lush, and the oversized 3+ car garage is every car collector's dream. There's even a custom treehouse with a zip line tucked among the grounds. Offering the space and privacy of a waterfront retreat while remaining conveniently located in Lynn Haven, 400 W 2nd Street is a rare opportunity to enjoy the best of Northwest Florida waterfront living -- now with owner financing available.