Rare opportunity! This Navarre Beach home offers not only stunning Gulf views but also the chance to assume an incredible VA loan with a 2.375% interest rate (available to qualified buyers). Enjoy island living with no HOA, direct beach access, and the potential for significant monthly savings compared to today's rates. Located directly across the street from the Gulf of Mexico, this unique home captures water views from nearly every room and boasts two spacious decks that span the entire length of the house. The main living area is thoughtfully positioned on the second floor to maximize the breathtaking Gulf and Sound views. Bright and airy, the open layout features a large kitchen with Corian countertops, abundant cabinetry, a breakfast bar, and a cozy dining nook. The living room is surrounded by windows and two sliding glass doors that lead to a covered Gulf-side balcony the perfect spot to enjoy your morning coffee or evening sunsets. On the main floor, a wide foyer welcomes you, flanked by two spacious bedrooms separated by a flexible bunk room ideal for extra guests, an office, or creative space. Both bedrooms offer sliding glass doors leading to the Gulf-facing deck. The primary suite includes a walk-in closet and a private bath with a separate shower, while the guest bedroom is conveniently located next to a full guest bath. Other highlights include a laundry room on the main level, plenty of storage space, and a prime location just steps from the white sands and emerald waters of Navarre Beach. Whether you're seeking a primary residence, second home, or vacation rental investment, this property delivers the best coastal living without an HOA's restrictions. Don't miss your chance to own a piece of paradise and an unbeatable 2.375% financing opportunity!