Welcome to your new 4/3 home built in 2022 w/spacious loft. Open-concept layout offers modern design & functionality within the desirable Pine Ridge neighborhood. Kitchen features elegant lighting, granite countertops, subway tile backsplash, upgraded cabinetry & state-of-the-art smart-home appliances. Main floor bedroom, with an adjacent full bathroom, is perfect for guests or as a mother-in-law suite. Backyard overlooks a serene pond & protected preserve—ensuring privacy & peaceful retreat with no rear neighbors on this premium lot, just under a quarter acre! Open the quad sliding patio doors to view stunning sunrises from your covered patio, which includes an extended space & extra concrete pad—ideal for a shed or outdoor dining setup. The community's HOA is notably flexible, allowing RVs, jet-skis & boats in your own driveway! Plus, neighborhood is golf cart friendly. This home is move-in ready, w/everything in pristine condition. Qualifies for USDA loan ($0 down loan). Recent upgrades include seamless gutters with downspouts installed in 2022, upgraded landscaping, expanded driveway, solar lights and water softener system, as well as added shelving throughout the home for storage needs. There are over $75,000 in upgrades on this home. Seller will even include a 2022 Jacuzzi Spa Tub that seats 5! Spectacular amenities include resort-style swimming pool w/waterslide, fitness center, playground, ocean-themed splash pad & brand-new sports courts (basketball, tennis & pickleball). Home qualifies for USDA Financing, a ZERO down loan - great for first-time buyers! It is located close to shopping, restaurants and St. Vincent's Hospital with easy access to highway and a short commute to NAS Jax, VA Clinic and more! Zoned for top-rated Clay County Schools, this home has it all. Schedule a showing today and make it yours! Check out the Features List and Pine Ridge Community Flyer!