Property Description

* ASSUMABLE 2.5% FHA MORTGAGE* This upgraded Richmond American Moonstone floor plan, built in 2020, stands out in all the ways newer construction often falls short--starting with the lot. Set on a larger homesite with more space between neighbors, this property offers a level of privacy and breathing room that's increasingly hard to find in St. Johns County.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. Out back, the extended paver patio and walkway, screened-in lanai, and gas/outdoor kitchen hookups create a fully functional outdoor space--ready for hosting, relaxing, and making the most of your backyard year-round.Upstairs, a spacious loft provides a versatile second living area that can adapt over time--perfect for a playroom, media space, or additional lounge. The primary suite features a large walk-in closet, and the upstairs laundry room adds convenience to daily routines.Located in Lakes at Mill Creek, residents enjoy a low HOA, no CDD fees, and a community playground just a short walk away.Zoned for top-rated St. Johns County schools, this home delivers what so many buyers are looking for but rarely find in newer builds: more land, more privacy, and more flexibility to live the way you want.