Looking for a brand NEW construction home with no HOA at an affordable price? You've found it! This spectacular 3-bedroom, 2-bathroom home is ideally located from downtown Palatka, where you'll enjoy delicious local dining, charming shops, and more. Step inside to find an abundance of natural light, durable luxury vinyl plank flooring throughout, and a thoughtfully designed open-concept layout perfect for entertaining or relaxing with loved ones. The kitchen is as functional as it is stylish, featuring a modern appliance package, shaker-style cabinetry, and sleek black granite countertops. Just off the kitchen, a cozy dining area - ideal for memorable family dinners. The spacious primary bedroom offers an en-suite bath with a beautifully tiled walk-in shower. On the opposite side of the home, two additional bedrooms provide flexibility for guests, a home office, or growing families. Out back, enjoy a nearly quarter-acre lot with no direct rear neighbors - offering the privacy and space that's hard to find at this price point. If you've been searching for new construction without the restrictions of an HOA, this is an opportunity you do not want to miss. Give us a call today for a private showing!