2.25% Loan Assumptions Opportunity! Located in Terra Costa, a gated community with resort-style amenities and NO CDD fee, you're just minutes from the beaches, UNF, Mayo Clinic, and St. Johns Town Center, right in the heart of it all while still feeling tucked away.Step inside and you'll immediately notice how the home just flows. The open layout, paired with a wall of sliding glass doors, brings in tons of natural light and showcases peaceful lake and preserve views, true indoor/outdoor Florida living.The kitchen sits at the center of it all, featuring a massive quartz island, gas cooktop, upgraded finishes, and a walk-in pantry that actually works for real storage. Whether you're hosting or just enjoying a night in, this space was built to be used. With 3 bedrooms, 4.5 bathrooms, plus a loft and bonus space, you've got the flexibility for entertaining, working from home, or creating separate living areas that fit your lifestyle The primary suite is privately located on the first floor, offering dual walk-in closets, double vanities, and a large frameless shower that gives it that everyday retreat feel. Out back, the extended paver lanai sets the tone,morning coffee, evening wind-downs, all overlooking a private backyard with water and preserve views.This one checks all the boxes,space, location, and lifestyle.