Enjoy rates as low as 4.25% in the first year - Seller offering a 2-1 interest rate buy-down with preferred lender (buyer qualification required)*  Located in the desirable Hidden Lakes community of St. Augustine, this 4-bedroom, 2-bath home offers one of the best values at this square footage-thoughtfully designed with a split floor plan for added privacy and function. Set on a 60-foot-wide lot in Flood Zone X (no flood insurance required), the home backs to tranquil water views and features a covered lanai and fully fenced backyard, perfect for relaxing or entertaining. Inside, the open-concept living area is warm and inviting, featuring rich wood-look tile flooring, an abundance of natural light, and a fireplace for cozy evenings. The kitchen is a standout-crafted for those who love to cook or entertain-with high-end granite countertops, a new Samsung refrigerator, smooth-top stove, ample cabinetry, and generous counter space for prep and serving. The owner's suite is oversized with a walk-in closet, peaceful seating nook, and a spacious ensuite bath offering double vanities, a soaking tub, and a walk-in shower. On the opposite side of the home, you'll find three additional bedrooms, all with plush carpet and ample closet space. A versatile room with French doors near the front entry offers the perfect space for a home office, library, playroom, or even a fourth bedroom. Additional upgrades include a 2022 architectural shingle roof, 2018 HVAC, and a 200-amp electrical panel. With low HOA fees, no new construction hassles, and an unbeatable location just minutes to shopping, beaches, and historic downtown St. Augustine this home combines lifestyle, location, and long-term value. *If buyer chooses the preferred lender, First Coast Mortgage Funding NMLS #1953441, a 1-0 buy down will be applied towards the interest rate for loan amounts of $265k or higher. Rusty Davis NMLS. This is not a commitment to lend. Equal Housing Opportunity.