Take advantage of a rare opportunity with an assumable VA loan (subject to lender approval) in the gated waterfront community of Bimini Bay, ideally located in the heart of Apollo Beach. This beautifully designed two-story home offers 4 bedrooms, 2.5 baths, and a thoughtfully planned layout that blends comfort, functionality, and coastal charm. From the moment you enter, you're welcomed by soaring ceilings, abundant natural light, and a seamless flow between formal and casual living spaces, including a formal dining room, spacious living area, and a private office ideal for remote work. The kitchen connects effortlessly to the main living areas, creating a perfect setting for everyday living and entertaining. Upstairs, all bedrooms are generously sized, along with a versatile bonus room that can serve as a media room, playroom, or additional lounge space. The expansive primary suite offers a peaceful retreat with a sitting area, oversized walk-in closet, and a spa-inspired bathroom featuring dual vanities, a garden tub, and a separate walk-in shower. A conveniently located upstairs laundry room adds to the home's functional design. Outdoor living is just as impressive, with a covered lanai and premium hot tub overlooking the fully fenced backyard-ideal for relaxing or hosting guests. Boating enthusiasts will appreciate direct access to a saltwater canal, complete with a private dock, power and water hookups, and a 10,000-lb boat lift, providing quick access to open water and the ultimate Florida boating lifestyle. A durable metal roof adds long-term value and appeal, while the gated community offers low HOA fees and no CDD. Conveniently located near shopping, dining, schools, Downtown Tampa, and major highways, this home delivers the perfect balance of waterfront living and everyday convenience.