*ASSUMABLE 2.5% FHA LOAN* Qualified buyers have the opportunity to assume the seller's existing FHA loan at just 2.5% interest, creating the potential for significant monthly savings compared to current market rates. In a time when affordability is top of mind for many buyers, this feature alone sets this home apart. Built in 2020, this upgraded Richmond American Moonstone floor plan offers a combination that is becoming increasingly difficult to find in St. Johns County: a larger homesite with added privacy between neighbors. Plus no CDD fees. From the moment you arrive, the expanded paver driveway makes an impression, providing parking for up to six vehicles in addition to the two-car garage--a rare and highly practical feature for gatherings, guests, or multi-driver households. Inside, the thoughtfully designed layout balances open-concept living with everyday functionality. The dedicated downstairs office creates the perfect work-from-home space and offers the potential to become a true guest suite with the addition of a shower. The spacious living, dining, and kitchen areas flow seamlessly together, creating a home that feels equally suited for entertaining and everyday life. The kitchen serves as the heart of the home, overlooking the main living spaces and allowing everyone to stay connected. Large windows throughout bring in abundant natural light while showcasing the extra space and privacy that make this property stand out from many newer communities. Step outside and discover one of the home's most desirable features: an extended screened lanai and upgraded outdoor living area designed for year-round Florida enjoyment. With outdoor kitchen hookups already in place and additional patio space for dining, grilling, or relaxing, the backyard is ready for everything from quiet evenings to weekend gatherings. While many new construction communities require buyers to compromise on lot size, parking, privacy, or added fees, this home delivers the features buyers consistently ask for most: modern construction, flexible living spaces, expanded outdoor living, a larger homesite, more distance between neighbors, and freedom from costly CDD assessments. Located in highly sought-after St. Johns County and zoned for top-rated schools including Hickory Creek Elementary, Switzerland Point Middle, and Bartram Trail High School, this home offers a rare blend of affordability, functionality, privacy, and lifestyle--made even more attractive by the opportunity to secure an assumable 2.5% FHA loan.