Tucked away in the desirable Lake St. Charles community, this beautifully maintained split floor plan home offers the ultimate blend of modern efficiency, functional design, and low ongoing ownership costs.  The HOA is only $120 per year and there's no cost for flood insurance in our Zone X designation.  The big-ticket items are already done. A full Lennox gas HVAC system and new vinyl privacy fencing were installed in April 2026, new carpet in June 2026, and the roof was replaced in 2019. The smart split floor plan maximizes both privacy and togetherness. A grand foyer opens into an expansive, light-filled living and dining area accented by soaring ceilings and oversized windows. The heart of the home features a functional kitchen with a gas range, a bright eat-in nook, and included washer and dryer. The private primary suite offers an en-suite bath and a quiet retreat from the rest of the home. Additional features include a gas water heater and 4-zone sprinkler system with recently replaced valves. Step through the sliders onto a massive 22-foot screened lanai finished with decorative ceramic tile. The backyard offers a perfect balance of privacy and character, framed by a CDD-maintained rear brick wall - all the charm, zero maintenance for you - and your brand-new vinyl privacy fencing. Lake St. Charles offers true lifestyle appeal. Enjoy premium amenities just steps from your door, including a 70-acre lake, lap pool and heated spa, tennis and pickleball courts, a dog park, a canoe launch, and 2 miles of paved nature trails. The updated playground features a 20-foot climbing structure, slides, swings, and a 75-foot zip line. Community ball fields, park bathrooms, and benches round out this exceptional neighborhood. Located just two traffic lights from I-75 and the Selmon Expressway, commuting is effortless - convenient access to Brandon, and a direct connection to Downtown Tampa, MacDill AFB, and Tampa International Airport.