Rare opportunity ASSUMABLE VA mortgage with an incredible 4.375% interest rate for qualified buyers -- a potential game changer in today's market. Welcome to this beautifully upgraded Plummer Creek home, where thoughtful design, custom finishes, and exceptional attention to detail create the perfect blend of comfort and style. Offering 4 bedrooms, 3 bathrooms, and a 3-car garage, this single-story home provides spacious living with upgrades at every turn. At the heart of the home is a stunning gourmet kitchen featuring extended cabinetry, beautiful countertops, a custom oversized island, designer lighting, and upgraded finishes that make both everyday living and entertaining a delight. The open-concept layout flows seamlessly into the family room, where wood beams accent the tray ceiling and a striking electric fireplace is surrounded by custom built-ins, creating a warm and inviting focal point. The owner's retreat is a true sanctuary, complete with elegant coffered ceilings, bay windows that fill the space with natural light, and a spacious en-suite bath. Additional bedrooms and bathrooms offer flexibility for family, guests, a home office, or multi-generational living. Designed for both comfort and convenience, this home features pocketing sliding glass doors that create seamless indoor-outdoor living, dual water heaters, a whole-home water softener, wrap-around gutters, and attic access with pull-down stairs for additional storage. Step outside to enjoy Florida living at its finest. The screened lanai opens to an extended paver patio overlooking the fully fenced backyard, providing plenty of space for relaxing, entertaining, or enjoying peaceful evenings outdoors. Located in the highly sought-after Plummer Creek community, residents enjoy neighborhood amenities while benefiting from a low HOA and no CDD fees. Conveniently situated with easy access to I-95, this location offers an easy commute to Jacksonville, Kings Bay, Amelia Island, local beaches, shopping, dining, and major employers. Combining luxurious upgrades, thoughtful functionality, and an unbeatable location, this move-in-ready home offers the perfect opportunity to enjoy all that Plummer Creek has to offer.