*ASSUMABLE 2.5% FHA LOAN* Rare opportunity to assume an existing FHA loan with an incredibly low 2.5% interest rate for qualified buyers--offering the potential for substantial monthly savings compared to today's market rates. In a market where affordability matters more than ever, this feature alone makes this home stand out from the competition. Built in 2020, this upgraded Richmond American Moonstone floor plan offers something increasingly difficult to find in St. Johns County newer construction: space, privacy, flexibility, and no CDD fees. Set on a larger homesite with more room between neighbors, this property delivers the breathing room buyers are searching for without sacrificing modern finishes or convenience. From the moment you arrive, the expanded paver driveway provides parking for up to six vehicles and creates a strong first impression. Inside, the thoughtfully designed floor plan balances open-concept living with everyday functionality including spacious gathering areas, flexible work-from-home space, and room for guests or multi-generational living. The kitchen flows seamlessly into the living and dining spaces, creating an ideal setup for entertaining and everyday living alike. Large windows throughout the home bring in abundant natural light while highlighting the privacy and openness that set this property apart from many newer communities. Step outside to one of the home's standout features: an extended screened lanai and upgraded outdoor living area designed for year-round Florida enjoyment. With outdoor kitchen hookups and additional patio space, the backyard is ready for entertaining, relaxing, and making the most of Florida living. Unlike many nearby new construction communities, this home combines modern construction with the features buyers consistently say they want most: a larger lot, more distance between homes, expanded parking, outdoor living space, and freedom from costly CDD fees. 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 that is becoming increasingly hard to find. From the moment you arrive, the expanded paver driveway makes an impression, providing parking for up to six vehicles in addition to the 2-car garage--a rare and highly practical feature for gatherings or multi-driver households. Inside, the layout is designed with flexibility in mind. The downstairs office offers an ideal work-from-home setup, with the potential to easily convert into a true guest suite by adding a shower for a full bath. The open-concept main living area flows seamlessly, creating a space that works just as well for everyday living as it does for entertaining