Experience the active lifestyle at Regency at Waterset, the only 55+ low-maintenance neighborhood within the established Waterset master-planned community in Apollo Beach. This exclusive gated enclave offers resort-style amenities reserved for Regency residents, creating the perfect setting for recreation, relaxation, and social connection. Built in late 2024 by Toll Brothers, this Tern floor plan with the sought-after Modern Ranch elevation offers 3 bedrooms, 2 bathrooms, a 2-car garage, and 1,805 sq. ft. of living space. Designed for both everyday living and entertaining, the open-concept seamlessly connects the spacious living room, dining area, and gourmet kitchen that showcases shaker-style cabinetry, Quartz countertops, a timeless backsplash, a built-in wall oven/microwave, and a GAS cooktop. A large center island with bar seating serves as the heart of the home, provides casual dining and a gathering space.  The outdoor living space has been thoughtfully enhanced beyond the original builder design to create a backyard retreat. From the screened lanai with retractable privacy shades to the expanded brick paver patio, every detail has been carefully designed for year-round Florida living. Custom enhancements include a decorative retaining wall with raised landscape beds, lush colorful and tropical landscaping, a soothing water feature, and serene water views that create a private setting for relaxing or entertaining. The thoughtfully designed split floor plan places the spacious primary suite at the rear of the home, offering added privacy and peaceful backyard and pond views. The primary suite features a luxurious en-suite bathroom with dual sinks, Quartz countertops, an oversized frameless glass walk-in shower with a built-in bench, a separate water closet, and a spacious walk-in closet with custom organization. Two generously sized secondary bedrooms provide comfortable accommodations for guests while offering the flexibility for dual use as a home office, hobby room, den and more! The full guest bathroom continues the home's stylish design with shaker style cabinetry, Quartz countertop, and has a tub/shower combination. The interior laundry room offers upper storage shelving, workspace, and a full-size washer and dryer.  Additional features include newly installed laminate flooring over the existing tile, a retractable screen door, vented microwave, tray ceilings, recessed lighting, updated ceiling fans, epoxy-coated garage floor, and remaining transferable builder structural/mechanical warranties, along with applicable manufacturer warranties and the golf cart is available for purchase. Residents enjoy exclusive access to The Cove, a 14,800-square-foot amenity center featuring a resort-style pool and spa, state-of-the-art fitness center with yoga studio, game room, pavilion with grill and bar, pickleball, tennis, and bocce courts, a dog park, walking trails, and a full calendar of clubs and activities curated by the on-site Lifestyle Director.  This comunity allows for 6 month rentals and is PET FRIENDLY with no weight limitations! The low quarterly fee includes high-speed internet, cable TV, lawn maintenance, exterior painting, and roof repair/maintenance and replacement providing a truly low-maintenance lifestyle in a non flood zone location and FHA, VA, Conventional Financing Welcome!