Located in the desirable Washington Acres community, this beautifully maintained coastal home offers the perfect blend of privacy, comfort, and convenience--with NO HOA. This spacious 4-bedroom, 2.5-bath home also features a versatile loft and is situated just one mile from the Intracoastal Waterway, providing easy access to boating, fishing, and all the best of coastal living while still enjoying a peaceful setting. Inside, you'll find thoughtful updates throughout, including fresh interior paint, new upstairs carpet, and updated appliances, creating a truly move-in-ready experience. The upstairs bathroom has been tastefully renovated with new cabinetry, countertops, and flooring, while the primary bathroom underwent a complete remodel in 2022, offering a luxurious spa-inspired retreat. The primary suite also features custom closet built-ins added in 2024, and walk-in closets throughout the home provide exceptional storage and organization. The expansive loft offers endless flexibility, whether you envision a home office, media room, playroom, fitness space, or additional living area. Designed with both everyday living and entertaining in mind, the functional layout provides the perfect balance of open gathering spaces and private retreats. Conveniently located just minutes from shopping, dining, golf courses, Surf City, and the beautiful beaches of Topsail Island, this home offers an exceptional coastal lifestyle in an established neighborhood. With modern updates, generous storage, and the freedom of NO HOA, this is a rare opportunity to own a home that truly has it all.