Welcome to this beautifully crafted two-story home in the sought-after Harstvedt Plantation neighborhood of Santa Rosa Beach. Designed with comfort and flexibility in mind, this custom-built residence offers four bedrooms, three and a half bathrooms, and a versatile bonus space perfect for extended living or guest accommodations.Bonus: The home offers an assumable VA mortgage at 4.625%—a rare opportunity in today’s market—and a 1% buyer incentive to make your move even sweeter.Step inside to find durable luxury vinyl plank flooring throughout and an open-concept main living area that seamlessly connects the living room, dining space, and kitchen. A custom-built focal wall with an electric fireplace adds warmth and character, while the kitchen features a breakfast bar, ample cabinetry, and modern finishes.The first floor also includes a flex room currently used as a home office, ideal for remote work or a quiet retreat. Upstairs, you’ll find a spacious master suite with a walk-in closet and ensuite bath with double vanity and tiled shower, a convenient laundry room, and two additional bedrooms with a shared full bath. Above the one-car garage sits a fourth bedroom and additional bathroom in a bonus suite that can be seamlessly integrated into the main home or closed off with a separate entrance, perfect for a private guest suite, mother-in-law quarters, or potential rental income.The fully fenced backyard includes a sprinkler system and offers room to relax or entertain with a raised deck and ambient lighting. Located in a charming neighborhood close to beaches, schools, shopping, and dining, this home combines comfort, function, and flexibility in a highly desirable location.