VA Assumable loan! 5.25% interest rate! Welcome to your waterfront oasis in the heart of Niceville! This beautifully maintained 3-bedroom, 2.5-bath townhouse offers the best of Niceville waterfront living for an exceptional price! Ideal as a primary residence, vacation home, or investment property. Nestled along the scenic Rocky Bayou, which flows directly into the Choctawhatchee Bay, you'll enjoy effortless access to boating, fishing, paddle-boarding, and more. One of the best parts, a boat dock and waterfront access are included in the HOA, along with additional storage space for boats and jet skis--making it easy to embrace the waterfront lifestyle! Boat slips are available for owners as well. Inside, you will enjoy a nicely sized living room with a fireplace, and dining area to create a warm and inviting space for relaxing or entertaining. Downstairs, you will be welcomed in with durable luxury vinyl tile flooring; perfect for pets or coming back from those fun days on the bay or at the beach. Upstairs, are two guest rooms with a shared full bathroom, and a master-suite with it's own ensuite bathroom, and walk-in closet. As a bonus, both bathrooms are equipped with their own bidets. The home also comes with a smart thermostat--perfect for easy temperature adjustments during the hot summers. Stepping outside, you're just a short distance to Rocky Bayou, ideal for your watercraft enjoyment, or simply catching a nice sunset and unwinding. Washer, dryer, patio furniture, and kayaks are negotiable, offering a move-in-ready opportunity with a little splash of added value. Don't miss your chance to own one of Niceville's best kept secrets--schedule your showing today!