Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Why pay more for new construction when this one beats the builder on price - and it's ready now? Welcome to 134 St Thomas Dr, a 2022 Highland Homes Serendipity model with Elevation D in Bridgeport Lakes, Mulberry - loaded with upgrades that new construction buyers pay tens of thousands extra to add. The wait is zero. The value is undeniable. New builds in this community start from the high $300s before options. This home already includes: full fencing, screened front and rear lanais, gutters, built-in closet systems, fresh landscaping, garage shelving, wired pest control system, termite protection pods, and a generator hookup with 30-amp interlock breaker. That's move-in ready on Day 1 - not nine months from now. Inside, 2,025 sq ft is thoughtfully laid out for real life. A wide foyer opens to a flex room - ideal as a home office, playroom, or optional 4th bedroom. The open-concept kitchen and living area centers on an 11.5-ft quartz island with soft-close cabinetry, subway tile backsplash, stainless Samsung appliances, and an oversized pantry. The owner's suite offers tray ceilings, dual walk-in closets (one with built-ins), and a beautifully tiled walk-in shower. Luxury vinyl plank, blinds, and ceiling fans throughout. Bonus extras: HVAC with soft start, UV filtration, and transferable warranty. Oversized pie-shaped lot - 9,209 sq ft - with brand-new landscaping and serious curb appeal. Bridgeport Lakes is a quiet, low-HOA community ($75/mo) with lakes, parks, and easy access to Lakeland, Tampa, Bartow, and Orlando. LEGOLAND 20 minutes away. Walt Disney World under an hour. Both major airports approximately one hour out. USDA 100% FINANCING ELIGIBLE - qualified buyers may purchase with $0 down. Move-in ready. Priced below comparable new construction. Schedule your private showing today!!