With nearly $100,000 in thoughtful seller upgrades and a rare 2.7% assumable VA loan (exclusively available to qualified VA buyers), this charming Florida cottage in Mosaic Oaks presents a standout opportunity just under 4 miles from 30A's sugar-white beaches and only a mile from Choctawhatchee Bay and Kellogg Regional Park. Impeccably maintained, this 3-bedroom, 2.5-bath home offers a beautifully upgraded coastal retreat with meaningful enhancements throughout, including a complete primary suite renovation, new luxury vinyl plank flooring, and a refreshed kitchen featuring professionally refinished cabinetry, a modern tile backsplash, and upgraded cabinet lighting. Fresh interior and exterior paint, added trim detail, new shutters, gutters, & exterior doors create a cohesive, designer- -inspired aesthetic that carries seamlessly from inside to out. The backyard is a true showstopper--expertly designed for both entertaining and everyday enjoyment, featuring a Trex floating deck, custom paver patio, lush landscaping, irrigation system, and a fully fenced yard. An outdoor umbrella and elegant fire feature complete the setting, offering the perfect backdrop for grilling, gathering, or unwinding under the stars in your own private retreat. Enjoy quiet mornings on the screened front porch or step upstairs to the private balcony off the primary suite--both ideal for catching coastal breezes and starting the day. The spacious primary retreat serves as a true sanctuary with dual closets, balcony access, and a spa-like bath featuring a separate garden tub and tiled shower. Upstairs, a generous landing connects the bedrooms and provides flexible space for a lounge, office, or playroom. Additional improvements include new sod, professional landscaping, a storage shed, and numerous functional upgrades that enhance both comfort and long-term value. Additional seller improvements since ownership include: * Luxury vinyl flooring upstairs and in the stairwell * Complete primary bathroom renovation * Kitchen cabinet refinishing, backsplash, lighting, and vent hood * Interior paint with added beadboard and trim detail * Exterior paint and screened porch addition * Fence installation and irrigation improvements * Trex floating deck and custom paver patio * New gutters and exterior doors * Bermuda shutters * Landscaping and sod * Garage storage cabinetry * Outdoor storage shed The assumable VA loan at approximately 2.7% interest offers a valuable financing advantage for qualified buyers. Mosaic Oaks is a peaceful 32-home community conveniently located near Alaqua Dog Park, Padgett Park, South Walton High School, South Walton Library, local dining, shopping, and a daycare/preschool across the street. With beaches less than 10 minutes away and access to Choctawhatchee Bay within walking or biking distance, this home blends location, lifestyle, and meaningful upgrades into one beautifully maintained coastal property.