Assumable 2.25% VA interest rate! Turnkey and move-in ready, this charming beach cottage is the perfect lock-and-leave second home, island retreat, or peaceful living experience year round. Nestled within the private Makaua Shores enclave of just eight homes, this beautifully designed 2-bedroom, 1.5-bath plus spacious loft offers privacy, style, and effortless coastal living. Professionally curated with custom countertops and hand-selected tile throughout, every detail reflects timeless island elegance. Your private tropical oasis features banana, coconut, papaya, and other fruit trees, with a tranquil dry stream bordering the property. The enclosed back lanai provides flexible space for a home office, studio, or wellness retreat. Enjoy ocean views from the primary bedroom, waterfall views from the kitchen, and mountain vistas from the spacious front lanai. Just steps from Swanzy Beach and renowned surf spots, residents also enjoy a private pool and pickleball court. Minutes to Crouching Lion Restaurant and endless outdoor adventures, this rare Makaua Shores offering delivers the ultimate turnkey Hawaii lifestyle not to mention an opportunity for a 2.25% VA interest rate!