Welcome to 41 Pine Valley Circle, a beautifully updated 3-bedroom, 2-bathroom retreat, perched high on a hill (never flooded & no flooding issues) in the highly sought-after golf cart-friendly Tomoka Oaks community—with no HOA! This home has been lovingly updated so you can move in with total peace of mind! Major improvements include a brand-new roof (2025), whole-house repipe (2023), impact windows (2019), updated irrigation pump (2024), exterior paint (2024), and HVAC system (2015). Step inside to a bright, open floor plan with fresh luxury vinyl plank flooring (2024) throughout. The spacious kitchen is the heart of the home, featuring soft white cabinetry, granite countertops, and a stunning new backsplash (2025). Watch your kids & dogs run in the fully fenced backyard while you wash dishes. Whether you're hosting or just grabbing a quick bite, the kitchen bar seating makes entertaining effortless! The kitchen flows into the huge living room, while there is a formal dining space with double doors, offering the perfect balance of openness and privacy. The three generously sized bedrooms provide plenty of space, and both bathrooms were fully remodeled in 2024, boasting stylish, modern finishes. Step outside to your private backyard oasis, fully fenced and perfect for lounging, entertaining, or letting pets and little ones roam free. Plenty of room to add a pool! The garage is also oversized & currently houses a 19' center console boat (25' with the trailer)! With its prime location, modern upgrades, and cozy charm, this home is the one you've been waiting for! Don't miss out - schedule your showing today! All information taken from the tax record, and while deemed reliable, cannot be guaranteed.