VA Assumable Loan Rate 2.75%! Nestled in the desirable Rocks Cove community of Bluewater Bay, this remarkable 4-bedroom, 2.5-bath home offers 3,182 square feet of thoughtfully designed living space on a quiet cul-de-sac just minutes from the sparkling waters of Choctawhatchee Bay and convenient public boat ramp access. This spacious three-story residence welcomes you with an open floor plan, soaring ceilings, and a warm, inviting atmosphere. The living area showcases built-in shelves, recessed lighting, two ceiling fans, and a cozy fireplace, along with direct access to a tiled, screened-in Florida room with dramatic 14-foot ceilings. A sliding glass wall system opens fully to create a seamless indoor-outdoor entertaining space perfect for relaxing or dining year-round. Adjacent to the living room, the open dining area easily accommodates large gatherings and is beautifully enhanced with crown molding that continues throughout the main living spaces. The kitchen is designed for both style and function, featuring granite countertops, abundant cabinetry, recessed lighting, stainless steel appliances, a pantry, and a generous island with a breakfast bar ideal for casual meals or additional seating. The first-floor master suite offers comfort and privacy with direct access to the back patio. The master bath includes a double vanity, Whirlpool tub, walk-in shower, and a spacious walk-in closet with built-in shelving.