NO CDD, Low HOA. Motivated Seller. Must Sell for Job Relocation! Priced below the cost to build a comparable home, this move-in ready 4-bedroom, 3-bath residence offers exceptional value in the gated community of Waterman's Bluff, one of Northeast Florida's hidden gems. A rare 0.35-acre preserve lot at the end of a quiet cul-de-sac, this fully fenced property offers outstanding privacy, no rear neighbors, and ample room for a future pool. Designed with comfort, the open floor plan features abundant natural light, spacious living areas, and a desirable multigenerational layout with a private upstairs suite complete with bedroom, full bath, and closet, ideal for guests, extended family, or a home office. Interior upgrades include hardwood flooring throughout, crown molding, dining room wainscoting, built-in speakers, gas fireplace, and gas range. The well-appointed kitchen features granite countertops, stainless steel appliances, pull-out cabinet drawers, upper and lower cabinet lighting