Welcome to Bridge Harbor! 2.99% Assumable VA loan! Built in 2021, this Monroe floor plan features 3-bedroom, 2.5-bath with approximately 1,800+ square feet of thoughtfully designed living space and is conveniently located directly across the street from the bay where you will find public beach access. The open-concept floor plan features abundant natural light, 9 foot ceilings, luxury vinyl plank flooring throughout the main living areas, a spacious living room, and a well-appointed kitchen with granite countertops, stainless steel appliances, tile backsplash, ample cabinet space, pantry, breakfast bar, and coffee/wine bar. A convenient half bath is located on the first floor. All bedrooms are located upstairs, including the spacious primary suite featuring a private balcony with bay views. The ensuite bath offers a double vanity, soaking tub, and separate shower. Two additional bedrooms and a full guest bath provide flexibility for family, guests, a home office, or workout space. Outdoor features include a covered rear patio, fenced backyard, a playset, a garden, a separate irrigation meter, irrigation & drip system, and quite a few mature well planned fruit trees (Dorset Gooden & Anna Apple, Bearss Lime, Hamlin Orange, Gulf Beauty Plum, Black Berry and Blueberry bushes). Residents of Bridge Harbor enjoy access to a resort-style community pool with ample sidewalks and green spaces throughout the neighborhood. Conveniently located approximately 6.2 miles from Tyndall Air Force Base, 16 miles from NSA Panama City, and 24 miles from Panama City Beach. Qualified buyers may have the opportunity to assume the existing VA loan at an interest rate of 2.99%.