Welcome home to this beautifully updated 2 bedroom, 2 bathroom residence in Palm Terrace Gardens. Offering a rare assumable VA loan at just 5.75%, plus $4,000 toward the buyers closing costs with a reasonable offer, this home presents an incredible opportunity for buyers looking to save on both financing and upfront costs. As you walk through the front door, youll immediately notice the fresh interior and exterior paint, updated kitchen, and thoughtful modern upgrades throughout. Tile flooring flows through the main living areas, creating a bright and open atmosphere. The kitchen features modern cabinetry, granite countertops, and stainless steel appliances including a range, microwave, and dishwasher. Both bedrooms and bathrooms showcase new vinyl plank flooring, while the updated bathrooms include contemporary vanities and stylish lighting. The spacious primary bedroom offers a walk in closet with direct access to the bathroom. A newly installed whole house water filtration system provides clean, great tasting water throughout the home while helping reduce bottled water use and leaving hair and skin noticeably softer after every shower. Major updates provide peace of mind, including a new HVAC system (2022), water heater (2022), water softener and filtration system (2025), roof (2017), and updated windows. In 2025, the roof was reinforced with a third nail for added structural strength and potential insurance savings. Outside, enjoy your 1/8 acre yard with newly installed sod, a beautiful papaya tree, and the convenience of an electric vehicle charger. Ideally located with easy access to US 19, shopping, dining, and the stunning Gulf beaches, this home combines comfort, value, and location. Schedule your private showing today and take advantage of the assumable low rate and $4,000 buyer credit opportunity.