Assumable FHA Loan at 3.2% - Rare Opportunity! Qualified buyers may assume an existing FHA loan with an approximate balance of $260,000, offering significant monthly payment savings compared to current market rates. Move-in ready and beautifully maintained, this spacious 4-bedroom, 3-bath home is located on a quiet cul-de-sac in the highly sought-after Preserve at Riverview, featuring low HOA fees and NO CDD fees. Enjoy peace of mind with a brand-new shingle roof (1 year old) and a new HVAC system (air handler and condenser). The property is also located outside of a flood zone, helping reduce insurance costs. Inside, the open and functional three-way split floor plan with high ceilings offers both privacy and flexibility. The kitchen features granite countertops, stainless steel appliances, and a breakfast nook, and overlooks the main living and dining areas, including a separate formal dining room-ideal for entertaining. The primary suite provides a relaxing retreat with a walk-in closet, garden tub, and separate enclosed shower. A front bedroom with an adjacent full bath is perfect for guests or multigenerational living, while two additional bedrooms in the rear share a convenient Jack-and-Jill bathroom. Step outside to a covered and screened lanai, perfect for enjoying Florida living year-round. The backyard is partially fenced and can be easily fully enclosed. Energy-efficient solar system in place with a lease of approximately $128/month, helping keep utility costs low, with an average electric bill of approximately $37/month. Additional savings opportunity: The Florida Green Finance Authority assessment on the property tax bill will be paid off at closing, resulting in an estimated $1,500 reduction in annual property taxes. Conveniently located just minutes from US-301, US-41, and I-75, offering easy access to shopping, dining, healthcare, and all that the Tampa Bay area has to offer.