Seller to pay for a 2/1 rate buy-down with acceptable offer. This will save your buyer $520 per month over the first two years of the loan! $75,000 in seller upgrades! See documents tab for full list of upgrades. Best Value in Mill Creek Forest! NO CDD FEES!! Stunning 4BR + Office + Loft home offers the perfect blend of style, space, and serenity. Situated on an oversized preserve lot with no rear neighbors, it features 3 full bathrooms, triple sliding glass door leading to a spacious covered patio, and upgrades galore. Inside, you'll find wood-look tile flooring, custom tile and frameless glass shower doors in every bathroom, upgraded panel doors, designer lighting and fans, and a show-stopping staircase w wood treads and custom spindles. The gourmet kitchen is a chef's dream with granite countertops, custom backsplash, upgraded KitchenAid appliances, gas range, massive island, and walk-in pantry. This thoughtful Toll Brothers layout features a first-floor bedroom and full bath plus a private office w French doorsthe upper level impresses with a luxurious primary suite, spacious loft, 2 add'l BRs, full bath, and convenient laundry room. Additional highlights include EV charging outlet, huge backyard, and access to top-tier community amenities: resort-style pool, fitness center, clubhouse, playground, tennis & pickleball courtsall with no CDD fees. Zoned for some of St. Johns County's top-rated schools! This home truly has it alldesign, upgrades, value, and move-in ready luxury!