**VA ASSUMABLE LOAN WITH LOW INTEREST RATE** Welcome to your dream home in sunny Pensacola with NO HOA! This newly-listed craftsman-style beauty is more than just a house—it's the culmination of comfort meets chic. Built with all brick for enduring charm, this property boasts three cozy bedrooms PLUS a flexible space that can serve as the extra 4th bedroom, office, extra den, or the yoga room you've always wanted! Step inside to discover a sleek interior featuring an inviting open floor plan that seamlessly connects the living spaces. Love to cook? The kitchen comes equipped with stylish white shaker cabinets, a generous center island, granite countertops, and ALL stainless steel appliances (refrigerator, microwave, dishwasher and range) that will make your inner chef dance with joy. The common areas are laid with luxurious vinyl plank flooring, which combines durability with a touch of elegance, while the private retreats—three bedrooms—are wrapped in wall-to-wall carpet for that toe