Assumable VA loan at 3.25% interest rate! Improved price, motivated sellers! 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. Sit and enjoy the beautiful water view from the breakfast nook, bar or dining area. Upstairs, a private bedroom opens to its own balcony overlooking the lush golf course, while a spacious bonus room provides flexibility for a 4th bedroom, media room, office, or additional living space. Step outside to your personal waterfront oasis, where a sparkling pool and expansive outdoor living areas create the perfect setting to relax and take in breathtaking sunsets over the Bayou. If you want more land, the lot next door is also for sale! As part of Panama Country Club, residents have the option to enjoy exclusive amenities including golf, a bayfront pool with cabana bar, and a revitalized clubhouse--further enhancing this elevated lifestyle. This is a rare opportunity to own a home where luxury, golf, waterfront living, and nature all come together beautifully.