ASSUMABLE VA mortgage available for qualified buyers with a 4.375% interest rate. Welcome to this beautifully upgraded Plummer Creek home offering 4 bedrooms, 3 bathrooms, and a 3-car garage with single-story living throughout. Thoughtful design, custom finishes, and exceptional attention to detail make this home truly stand out. The gourmet kitchen features extended cabinetry, beautiful countertops, a custom oversized island, designer lighting, and upgraded finishes, making it ideal for both everyday living and entertaining. The open-concept layout flows into the family room, where wood beams accent the tray ceiling and an electric fireplace is surrounded by custom built-ins, creating a warm focal point. The owner's suite features coffered ceilings, bay windows, abundant natural light, and a spacious en-suite bath. Pocketing sliding glass doors create seamless indoor-outdoor living, while additional upgrades include dual water heaters, a whole-home water softener, wrap-around gutters, and attic access with pull-down stairs for added storage. Enjoy the Florida lifestyle from the screened lanai overlooking an extended paver patio and fully fenced backyard with plenty of room for entertaining or relaxing outdoors. Located in the desirable Plummer Creek community, residents enjoy neighborhood amenities, low HOA fees, and no CDD fees. Convenient access to I-95 provides an easy commute to Jacksonville, Kings Bay, Amelia Island, area beaches, shopping, dining, and major employers. Combining extensive upgrades, functional living spaces, and a prime location, this move-in-ready home is ready for its next owner.