VA ASSUMABLE LOAN WITH GREAT RATE AVAILABLE! This beautiful modern home, built in 2021, offers 4 spacious bedrooms, 3.5 baths, and approximately 2,785 square feet of living space and a sought-after 'mother-in-law suite'. The interior is filled with natural light and features tray ceilings, quartz countertops, a bright and airy floor plan, and luxury finishes throughout. The gourmet kitchen boasts stainless steel appliances, a large island, ample counter space, and an open concept perfect for entertaining or gatherings. The owner's suite provides a peaceful retreat that includes dual vanities, a walk-in shower, soaking tub, and a large walk-in closet. The additional bedrooms are generously sized with well-designed jack and jill feature connecting two, a separate full bath in the 'mother-in-law' area, and a conveniently located half bath off the main living area. Outside, the home sits on a private 0.26-acre lot surrounded by mature landscaping with a landscape buffer to protect the privacy, offering plenty of potential space for outdoor relaxation or play. Located just a short drive from the beautiful white-sand beaches of the panhandle, as well as the shopping and dining in our local or surrounding areas, this property combines small-town tranquility with easy access to coastal living.