Take advantage of a VA assumable loan at an incredible 3.875%! This beautifully designed 6-bedroom, 4-bath home with a 3-car garage blends space, style, and functionality. The open main floor features a thoughtful 3-way bedroom split, including a private owner's retreat with a spa-style bath, dual sinks, soaking tub, walk-in shower, and oversized closet. Two bedrooms share a full bath, while a fourth enjoys its own. The gourmet kitchen impresses with granite countertops, a large island, stainless steel appliances, double ovens, 42'' cabinetry, and a cozy coffee station. Upstairs offers a flexible bonus area with a bedroom, full bath, and loft—perfect for guests or a home theater. Energy-smart upgrades include Low-E windows, a gas stove, and a tankless water heater. Relax on the covered lanai overlooking the fully irrigated yard. Located minutes from Oakleaf Town Center and top-rated Clay County schools. Seller is ready to move, bring your offer!