Assumable mortgage at an incredible 2.99% interest rate-a rare opportunity! Must see to appreciate this quality-built block home with impressive upgrades and an exceptional, well-designed layout. Beautifully maintained 5-year-new home offering 3 bedrooms, 2 bathrooms, and 1,314 sq ft of living space, plus over 160 sq ft of extended screened patio that seamlessly expands your living area for true indoor-outdoor Florida living. Built with solid block construction by Holiday Builders (Milestone Series, Cordova model), this home showcases thoughtful upgrades, 10-foot ceilings, and stylish modern finishes throughout. The kitchen is a standout, featuring granite countertops, a large island perfect for entertaining, solid wood cabinetry, and upgraded lighting that adds a warm, modern touch. Luxury vinyl plank flooring flows throughout the main living areas, creating a clean and cohesive design. Step outside through tall sliding glass doors that open wide to your extended screened, covered patio-an ideal space to relax, entertain, or enjoy peaceful evenings year-round. The fully fenced backyard sits on an oversized lot, offering added space, privacy, and flexibility. Tasteful pavers have been added to the driveway, expanding parking space while enhancing curb appeal. Additional exterior upgrades include whole-house gutters, a reclaimed-water irrigation system, and meticulously maintained landscaping with lush palms that create a true Florida oasis. Enjoy an unbeatable lifestyle with walking and biking trails just steps from your back door, perfect for morning strolls or evening rides, plus access to a resort-style pool and pavilion within the community. Located in a highly desirable HOA community featuring sidewalks and street lighting. Just minutes to Flagler and Crescent Beaches, with quick access to US-1 and I-95, and only about 20 minutes to historic St. Augustine. This home also includes a transferable builder's warranty, offering added peace of mind.