110 Mosaic Oaks Cir, Santa Rosa Beach, FL 32459

With nearly $100,000 in thoughtful seller upgrades and a rare 2.75% assumable VA loan (exclusively available to qualified VA buyers), this charming Florida cottage in Mosaic Oaks presents a standout opportunity just under 4 miles from 30A's sugar-white beaches and only a mile from Choctawhatchee Bay and Kellogg Regional Park.nnImpeccably maintained, this 3-bedroom, 2.5-bath home offers a beautifully upgraded coastal retreat with meaningful enhancements throughout, including a complete primary suite renovation, new luxury vinyl plank flooring, and a refreshed kitchen featuring professionally refinished cabinetry, a modern tile backsplash, and upgraded cabinet lighting.nnFresh interior and exterior paint, added trim detail, new shutters, gutters, & exterior doors create a cohesive, designer- -inspired aesthetic that carries seamlessly from inside to out. The backyard is a true showstopper--expertly designed for both entertaining and everyday enjoyment, featuring a Trex floating deck, custom paver patio, lush landscaping, irrigation system, and a fully fenced yard. An outdoor umbrella and elegant fire feature complete the setting, offering the perfect backdrop for grilling, gathering, or unwinding under the stars in your own private retreat.nnEnjoy quiet mornings on the screened front porch or step upstairs to the private balcony off the primary suite--both ideal for catching coastal breezes and starting the day. The spacious primary retreat serves as a true sanctuary with dual