Preferred lender offering interest rates in the high 4's or low 5's--contact us for details! This newly built modern Florida cottage offers the perfect blend of style, durability, and coastal charm. Nestled just three blocks from St. Joe Beach on a quarter-acre X Flood Zone lot, this stunning home is located in a short-term rental-friendly neighborhood with no HOA fees. From the moment you arrive, the home's curb appeal stands out with board and batten Hardie siding, a welcoming screened-in front porch, and ample parking. Inside, you'll find a beautifully designed open-concept living space with vaulted ceilings, LVP flooring throughout, and a sleek kitchen featuring stainless steel appliances, quartz countertops, and ample cabinetry.The huge fenced backyard offers endless possibilities--whether you envision adding a pool, pickleball court, or creating your own private retreat. With a spacious layout ideal for entertaining and high-end finishes that enhance both style and function, this home is move-in ready for full-time living, a vacation getaway, or an investment property.Conveniently located just 12 minutes from Port St. Joe, 10 minutes from Mexico Beach, and 30 minutes from Cape San Blas, you'll enjoy easy access to some of Florida's most beautiful coastal destinations. St. Joe Beach is dog-friendly, with pristine, sugar-white sand perfect for relaxing or enjoying the Gulf waters.Don't miss this opportunity to own a stylish, well-built coastal home in a prime location!