3.99% VA assumable loan available for qualified Veterans! This beautifully maintained 3-bedroom, 2-bathroom home offers approximately 1,842 square feet and is located in the desirable Harstvedt Plantation community. Featuring a sought-after split floor plan and numerous thoughtful upgrades throughout, this home blends comfort, functionality, and style. Interior highlights include engineered hardwood flooring, granite countertops, stainless steel appliances, upgraded cabinetry, crown molding, and a spacious primary suite. The primary bathroom has been tastefully renovated with updated flooring, a beautifully tiled walk-in shower with rain head, and a freestanding soaking tub that creates a true retreat feel. Additional improvements include updated lighting, custom shelving and storage in the laundry room, a custom-designed primary closet, added garage cabinetry, a new roof (2024), impact windows (2022), and HVAC system (2023). The living area has also been enhanced with a newly added electric fireplace and mantle, creating a warm and inviting focal point. Step outside to enjoy the fenced backyard designed for relaxing and entertaining, complete with pavers, a pergola, outdoor fireplace, and raised garden area. Harstvedt Plantation is a well-established community with a low HOA fee and is located in an X flood zone, meaning flood insurance is not currently required. Conveniently situated within walking distance to the bay and just minutes from Pilcher Park and the Cessna Landing boat ramps, this location also provides easy access to the shopping, dining, and entertainment of 30A and South Walton. Schedule your private showing today and experience everything this exceptional property has to offer.