***Seller offering a $4,000 credit toward buyer’s closing costs, which may be applied toward an interest rate buydown to help reduce the buyer’s monthly payment.*** Welcome to this beautifully updated 2 bedroom, 2 bathroom home in Palm Terrace Gardens, offering exceptional value and unique financing advantages. A rare assumable VA loan at just 5.75 percent is available, along with up to 4000 dollars toward buyer closing costs, creating a compelling opportunity to reduce both monthly payments and upfront expenses. From the moment you enter, the home showcases a fresh, modern aesthetic with new interior and exterior paint and a thoughtfully renovated kitchen. Tile flooring extends throughout the main living areas, enhancing the bright and open feel of the space. The kitchen is well appointed with updated cabinetry, granite countertops, and stainless steel appliances including a range, microwave, and dishwasher. Both bedrooms and bathrooms feature new vinyl plank flooring, while the bathrooms have been upgraded with contemporary vanities and modern lighting. The spacious primary suite includes a walk in closet and convenient direct access to the bathroom. A whole house water filtration system, installed in 2025, delivers clean, great tasting water throughout while also contributing to softer hair and skin and reducing reliance on bottled water. Key system updates offer confidence and long term value, including an HVAC system and water heater from 2022, roof from 2017, updated windows, and a water softener and filtration system added in 2025. The roof was further reinforced in 2025 with a third nail for enhanced structural integrity and potential insurance benefits. The outdoor space features a newly sodded 1/8 acre yard, a mature papaya tree, and the added convenience of an electric vehicle charger. Ideally situated with quick access to US 19, local shopping, dining, and the Gulf beaches, this property delivers a strong combination of location, upgrades, and financial incentives. Schedule your private showing today to explore the benefits of this assumable low rate opportunity and available buyer credits, including an additional 1500 dollars when using the preferred lender and agent.