Updated and reconfigured Navarre Beach home with an assumable 2.375% loan, subject to lender approval for primary residence. This two-story coastal retreat offers full Gulf and Sound views, direct beach access, and no HOA. The assumable low-rate financing provides a rare opportunity for long-term savings compared with today’s rates. Thoughtfully redesigned with three bedrooms, two full baths, and one half bath, this home blends comfort and coastal style. The open second-floor living area captures panoramic water views and opens to full-length covered decks—ideal for sunrise coffee and sunset skies. The kitchen features Corian countertops, abundant cabinetry, new stainless-steel appliances, and a breakfast bar open to the dining area. The primary suite includes a walk-in closet and private bath with separate shower. Fresh paint, updated lighting, and tile flooring throughout make it move-in ready. Property conveys partially furnished with ample storage and parking beneath the home. Mostly furnished for turnkey rental ready. Enjoy island living with Gulf views, Sound breezes, and the advantage of assumable low-rate financing—an opportunity rarely found on Navarre Beach.