VA assumable loan available at an exceptional 2.75% interest rate (qualified buyers). This well-maintained 3 bedroom, 2 bath home offers a functional layout with abundant natural lighting throughout, located in the desirable Navarre neighborhood. The property is fully fenced and includes a rear wood deck and patio ideal for entertaining or relaxing outdoors. Renovations and upgrades completed 2014 and later include energy-efficient improvements such as enhanced insulation and solar panels, along with surround sound wiring for added comfort and enjoyment. A detached office space in the rear yard is equipped with a mini-split system and oversized window, making it perfect for remote work, a studio, or flex space with plenty of natural light. The rear driveway access adds privacy and functionality, while the spacious yard offers room to add a pool or simply enjoy the existing green space. Located near City Park and situated in an X flood zone and has never flooded, this home offers peace of mind and long-term value.