Assumable VA loan at 3.25% interest rate! Experience refined coastal living where championship golf meets serene waterfront beauty. Perfectly positioned within the prestigious Panama Country Club--one of the area's most historic and sought-after golf communities--this exceptional 4-bedroom, 3.5-bath residence offers sweeping views of both the Bayou and the Bay as well as a private pool overlooking the water. Set on a prime waterfront homesite, this property is designed for those who appreciate relaxed luxury living, privacy, and a deep connection to nature. Whether you enjoy kayaking at sunrise, paddleboarding along the calm waters, or simply taking in the peaceful surroundings, this home delivers a true waterfront lifestyle. Spend your days watching dolphins play, fish jump, and a variety of birds and ducks glide across the water--right from your own backyard. Inside, the home showcases an elegant open-concept design with soaring ceilings and abundant natural light. The primary suite is a private retreat, featuring a walk in closet and private bathroom with an additional walk in closet, double vanities and tile shower. A second main-level suite, complete with kitchenette and private entrance, offers the perfect space for guests or multi-generational living. The beautifully updated kitchen features an apron-style sink, newer appliances, and a functional layout that flows seamlessly into the main living areas--ideal for entertaining in style.