Assumable VA loan available to anyone at an exceptional 2.35% interest rate for qualified buyers (468,044 balance through M&T Bank). Plus, the seller is offering $5,000 toward buyer closing costs or concessions--creating a rare financial opportunity in today's market. Located in the highly sought-after Hammock Bay community, this beautifully maintained Truland-built home offers exceptional craftsmanship, thoughtful upgrades, and a highly functional open-concept design ideal for both everyday living and entertaining. Featuring 4 bedrooms (master on the 1st floor), 3 bathrooms, and spacious living areas, this home showcases quality details throughout, including tray ceilings, upgraded hardwood flooring and fixtures, and a seamless layout designed for comfort and style. The chef-ready kitchen serves as the heart of the home with upgraded features: quartz countertops, backsplash, induction stove, under-cabinet lighting, a generous workspace, all opening effortlessly to the main living and dining areas. The downstairs guest bath has been enhanced with an upgraded walk-in shower, adding comfort and convenience for guests or multigenerational living. Built with durable brick and cement exterior construction, this home also offers valuable owner upgrades that elevate both function and long-term value, including a professionally installed generator, custom epoxy garage flooring, built-in cabinetry, and hanging storage systems. Outdoor living is equally inviting with a screened porch, private fenced backyard, enhanced landscaping, and paver accents that create a polished setting for relaxing or entertaining. Set within Hammock Bay -- a 3,000+ acre master-planned community surrounded by preserved wetlands and green space -- residents enjoy resort-style amenities including pools, a clubhouse, fitness center, sports courts, miles of walking and biking trails, and a vibrant Town Center, all just a short drive to the Emerald Coast's white-sand beaches. This move-in ready home offers the perfect combination of quality construction, meaningful upgrades, financial advantage, and lifestyle-driven living in one of Freeport's most desirable communities.