VA assumable loan with a 2.875 % interest rate! Welcome to this beautifully maintained 4-bedroom, 2-bath custom brick home nestled on a quiet cul-de-sac in the highly desirable, gated community of Magnolia Plantation. With a split-bedroom floor plan, multiple spacious living areas, and thoughtful updates throughout, this home offers comfort, style, and convenience. Step inside to find light-filled formal living and dining spaces, perfect for entertaining. The great room features a cozy gas fireplace, custom built-in bookcases, and opens to a large eat-in kitchen with island, breakfast bar, and stainless-steel appliances. The oversized master suite offers a peaceful retreat with a large walk-in closet, dual vanities, jetted tub,and separate walk-in shower. Three additional bedrooms share a full guest bath and are tucked away off the formal living room for added privacy. Enjoy low-maintenance living with tile in wet areas and luxury vinyl plank flooring throughout the rest of the home. Other highlights include: Indoor laundry room, ceiling fans throughout, side-entry garage with large paver driveway and circle for additional parking, irrigation system, private backyard, a paver stone patio, and custom pergola. Located just minutes from Eglin AFB, the Mid-Bay Bridge, Destin's beautiful beaches, shopping, and A+ schools. Enjoy easy access to neighborhood amenities like the pool, marina, golf course, and tennis centerjust a short walk away. Community features a guard-gated entrance for peace of mind. Tenant-occupied: 24-hour notice required for showings. Don't miss your chance to own this incredible home in one of the area's most sought-after neighborhoods! NOTE: VA assumable option will need to bring about $235K to close the gap; current payment is $2,150 per month.