Rare opportunity with an assumable VA loan--potential buyers can step into favorable financing, subject to lender approval. Beach living without the extra fees! Beautifully updated 3BR/2BA townhome less than 10 minutes to the beach and close to Hanna Park, top-rated schools, shopping, and dining. NO HOA or CDD fees -- a rare find! Home comes with a 0.48-acre lot that has been verified with the city and is fully buildable. The property features approximately 160 feet of buildable frontage--about half the length of a football field--offering exceptional space and flexibility. The possibilities are endless, with zoning that allows for both commercial and residential use. Enjoy low-maintenance living with no carpet throughout, plus new windows and a new front door (2020). The kitchen features newer butcher block countertops and updated cabinetry, opening to comfortable living spaces filled with natural light. Relax or entertain in the fully fenced backyard with a deck -- perfect for enjoying the Florida lifestyle year-round. A fantastic primary home, beach retreat, or investment opportunity!