Under contract-accepting backup offers. One or more photo(s) has been virtually staged. VA assumable loan at 4.25%! In today's rate environment, assuming this loan could provide significant savings compared to current market rates. Example estimates show the difference between a 4.25% and 6.25% rate on a ~$429,000 loan could exceed $80,000 in interest over 10 years. This spacious 4-bedroom, 3-bath home offers 2,563 sq ft of flexible living with peaceful water views and an open, inviting layout made for everyday comfort and entertaining. The first-floor primary suite features a private ensuite bath and serene views of the water, while the heart of the home-an updated kitchen with granite countertops, stainless steel appliances, and a large center island-flows seamlessly into the main living areas. Step outside to your screened lanai and take in the waterfront backdrop. The fenced backyard is beautifully landscaped and ready for gatherings, complete with a fire pit and plenty of space to relax and unwind. Upstairs, you'll find a spacious loft, a fourth bedroom, and a full bath-ideal for guests, a home office, or a media/game room. Highlights include: o Roof replaced less than 1 year ago o Waterfront lot with tranquil views o Screened lanai + fenced backyard with fire pit o Mature landscaping and strong curb appeal o Convenient access to Tampa, Downtown, and MacDill AFB o VA loan assumption at 4.25% available for qualified buyers Ideally located near shopping, dining, and major highways, this move-in-ready waterfront home checks the boxes-upgrades, space, and a standout financing opportunity.