This home is one of the original builds in Midtown Oaks, completed before the builder transitioned to lower-end finishes, and it stands apart in both quality and detail. Constructed with durable Hardie board siding, the home features quartz countertops, stainless steel appliances, all window blinds, a washer and dryer, and some furnishings, including a large living room TV and some bedroom furniture, making it truly move-in or rent-ready. Designed with the highly desirable Palm floor plan, the open-concept layout seamlessly connects the living, dining, and kitchen areas, creating a welcoming space for everyday living and entertaining. The kitchen offers a spacious breakfast bar, pantry, and modern finishes that balance style and function. Upstairs, the primary suite provides a peaceful retreat with a walk-in closet and a private en-suite bath featuring a double vanity, walk-in shower, and linen closet. Smart Home technology, an alarm system, fabric hurricane window and door protection, and a one-car garage add comfort and peace of mind. The backyard is fenced on two sides, with only a small section needed to create a fully private outdoor space. A rare opportunity in today’s market, this home offers an assumable low-interest loan at approximately 4.5% for qualified buyers. With low HOA fees that include termite protection and a community that allows rentals with no restrictions, the property is ideal for investors or owner-occupants alike. Located in North Pensacola, Midtown Oaks offers exceptional convenience—just minutes from the University of West Florida, West Florida Hospital, shopping, dining, the airport, and Pensacola’s beautiful beaches. It also serves as a convenient midway point between NAS Pensacola/Corey Station and Whiting Field and offers easy access to I-10, making commuting simple for military members and professionals alike. Whether you’re a first-time buyer, investor, or someone seeking a low-maintenance prime location, this checks the box.