ASSUMABLE VA 4.625% RATE! Quintessentially perfect starter home centrally located in the heart of town and move-in ready with no HOA. This well maintained 3-bedroom, 2-bathroom residence features a full 2-car garage and a spacious backyard secured by a brand-new fence and gate. The interior has a modern feel with fresh paint throughout, recent laminate flooring, and a bright kitchen with freshly painted white cabinetry. Major big-ticket items have already been addressed for total peace of mind, including a 4-year-old roof and a recently replaced HVAC and water heater. The location is unbeatable for convenience, situated within walking distance to the high school, middle school, and local soccer fields. For weekend fun, you are just minutes away from the white sands of Okaloosa Island and local Liza Jackson dog park. This home is priced competitively below recent neighborhood comps to ensure maximum value, schedule your showing today!