Charming and spacious Florida Cottage in St. Andrews with a variety of appealing features. The multiple bedrooms and extra living area could provide flexibility for accommodating family members or guests. The possibility of using the additional living area as an in-law suite with a separate bedroom, walk-in closet, and bathroom offers versatility in how the space is utilized.The upgrades made to the property, such as the new concrete parking pad and front sidewalk, indicate attention to both functionality and curb appeal. New windows can improve energy efficiency and enhance the overall aesthetic of the cottage. The privacy-fenced backyard with a shed offers a convenient storage solution for yard tools and recreational equipment, especially given the property's proximity to the water.The recent full insulation of the house is a notable improvement that can contribute to energy savings by helping to regulate indoor temperatures. Additionally, the newly added deck adds outdoor living space where residents can relax and enjoy outdoors! Seller offering a home warranty through Old Republic! VA LOAN IS ASSUMABLE FOR QUALIFIED BUYER. If you're looking for a home that combines functionality, character, and convenience, this property is must-see.