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-