SELLER FINANCING AT 4.99% & NEVER LIVED IN! A rare opportunity for qualified buyers to purchase this move-in-ready 2024 Elm II with seller financing at 4.99% and a 5-year balloon-an attractive alternative to traditional financing. Located in gated Crystal Bay Estates, this beautifully upgraded 4-bedroom, 3-bath home offers a spacious 3-car garage, oversized homesite and more than $25K in upgrades. Step inside to an open, light-filled floor plan featuring formal living and dining spaces, a generous family room and a beautifully appointed kitchen with quartz countertops, white shaker soft-close cabinetry, upgraded Samsung stainless-steel appliances and a breakfast nook. Upgraded tile enhances the wet and high-traffic areas, while the spacious primary suite features a sitting area, tray ceiling, two walk-in closets, garden tub and separate shower. French doors open to the screened lanai for easy indoor/outdoor Florida living.  Thoughtful upgrades continue outside and into the garage with built-in shelving, an etched and stained garage floor, hurricane shutters, sealed paver driveway, 6-inch gutters with 3-foot downspout extensions, St. Augustine grass and irrigation in the front and rear. Blinds are already installed throughout, and smart-home technology adds everyday convenience.  Crystal Bay Estates offers a resort-style lifestyle with a clubhouse, community pool, fitness center, pickleball, bocce, volleyball and dog park. Long-term rentals are permitted subject to HOA restrictions, including a minimum 6-month lease, providing additional flexibility for homeowners and investors.  Beyond the gates, discover the relaxed Grant-Valkaria lifestyle just minutes from the Indian River. Enjoy boating, fishing and kayaking, nearby nature preserves and trails, Fisherman's Landing Park, Grant Community Park, The Habitat Golf Course and the area's popular Grant Seafood Festival. Beaches, shopping, dining and Melbourne Orlando International Airport are also within convenient reach.  Why wait to build? This never-occupied home is complete, upgraded and ready now. Schedule your private showing and discover Crystal Bay Estates!