VA assumable loan at only 3.875%! This adorable house is truly a home SWEET home! With upgraded features and tasteful accent walls, you can't help but feel warm and fuzzy as you walk through. The main floor is a great space for entertainment with an open kitchen and good flow to the back patio. If you prefer a quiet night in, the electric fireplace is ideal for ambiance and with 10 foot ceilings you won't feel cramped. The bonus room is also downstairs. It has a good-sized closet and could be used as an office, playroom, gym or wall it off for a 4th bedroom and quick added value! There's already a full bath positioned right next to it. Why do we like 2 story homes? The second floor offers privacy away from guests! The primary bedroom is like a retreat! It's spacious, bright, and has a private balcony. Sit outside and enjoy the morning bird songs in your pjs. It's large enough for your king-sized furniture, has two closets, one being a walk in, and the ensuite offers a soaking tub, separate shower and double vanity. The additional bedrooms have upgraded closets, and one bedroom offers an open closet that can also be utilized as a desk space for homework. If you like low maintenance living, the turf back yard will appeal to you! So instead of tedious lawn work, you can enjoy the covered patio and misting fan while you watch your orange tree bloom. If you don't want to venture down to the beach and bring home sand, the community pool is available instead! Sellers have meticulously maintained this home! There is a brand-new AC unit with a UV air purifier, upgraded laundry room with added cabinets, hurricane boards to protect your windows, metal roof, and a shed for extra storage. Located just off N. Lagoon, this area has quick and convenient access to all the places you want to go, from our white sandy beaches to Pier Park to central Panama City. Measurements approximate, buyer to verify if important.