What if you could travel back in time and snag a mortgage rate from a few years ago? This home offers a rare VA-assumable loan at a staggering 2.25% interest rate (on a balance of roughly $445,000). To put that in perspective, assuming this loan will save you over $1,100 per month compared to current market rates. That's over $13,000 a year staying in your pocket instead of going to the bank. This solid brick fortress features 4 dedicated bedrooms plus 2 massive flex rooms, effectively giving you a 6-room sanctuary. Whether you need a high-end home office, a formal dining space, a workout room (or even two additional bedrooms), you finally have the space to make it happen. The interior feels light and airy with soaring high ceilings and brand-new LVP flooring throughout the main living areas. The kitchen serves as the command center with a functional island, granite countertops, and stainless steel appliances, all flowing into a living room anchored by a cozy wood-burning fireplace. The master suite features elegant tray ceilings and French doors that lead directly to your back patio. The ensuite bathroom is oversized, boasting "his and her" walk-in closets, a double vanity, a separate shower, and a deep jetted tub. Outside, your 1/3-acre lot is fully fenced for total privacy and comes equipped with a flagpole and a dedicated storage building for your gear. The lawn has a full irrigation system and the septic was professionally serviced in 2024. Location is everything, and here you're adjacent to the golf course and just minutes from the world-famous white sands of the Emerald Coast. By living here, you get the "Member's Only" lifestyle of Holley By The Sea for just $595 a year. That tiny fee unlocks a multi-million dollar recreation center with over 48 acres of amenities, including an indoor lap pool, two outdoor pools (family and baby), clay tennis courts, a full weight and cardio room, basketball and volleyball courts, a private boat ramp, and even a community campground. Most homes at this price point require a compromise between space, location, or your monthly budget. This property is the rare exception where you can actually have all three. Whether you are looking to capitalize on a historic interest rate or you simply need a home that won't penalize your growing family for needing more room, 2897 PGA Blvd is ready for its next chapter. Contact the listing agent directly to schedule a walkthrough and experience this stunning property yourself!