NO HOA OR CDD! Move-in ready and updated 3BR/2BA home in the heart of Mandarin (32223) off Loretto Rd. This carpet-free gem features stylish wood-look tile throughout. The renovated kitchen shines with granite countertops, a breakfast bar, stainless steel appliances, and sleek shaker cabinetry. Both bathrooms are fully modernized with updated vanities and tile surrounds; the primary ensuite features an oversized walk-in shower with dual shower heads. Roof is 7 years old. French doors lead to your private outdoor oasis--an oversized covered patio perfect for grilling and entertaining. The fully fenced backyard includes a custom raised garden bed and ample room for a pool. The garage features a smart opener and built-in bike storage. Enjoy the freedom of no neighborhood restrictions while being minutes from Mandarin Park, the St. Johns River, and top-rated schools. Store your boat, RV, jet-ski, or build a she shed or granny pod! This is the perfect blend of style, privacy, & convenience.