Assumable VA Loan at 2.99%! This beautifully updated 3-bedroom + open loft home, built in 2021, sits on a generous .75-acre waterfront lot, offering a rare combination of style, comfort, and value. The open loft adds flexible living space—perfect for a home office, play area, or media room. Enjoy modern updates throughout, including a custom kitchen island and backsplash, feature walls in the living room and primary bedroom (with barnwood accent), wainscoting in the dining room, luxury vinyl plank flooring upstairs, updated powder room and guest bath, new light fixtures, and custom window trim. The kitchen is outfitted with a reverse osmosis system and a boiling water tap, and the home is smart-home ready with previous ADT integration. A matching 10x16 outbuilding, wired for electricity, offers excellent storage or workspace potential. Outside, a 360-degree irrigation system keeps the lawn looking its best, and a whole-home water softener. Don’t miss your chance to own a stylish, well-maintained home with premium updates and assumable low-rate financing in today’s market.