POSSIBLE 4.99% ASSUMABLE MORTGAGE OPPORTUNITY (SUBJECT TO LENDER APPROVAL AND BUYER QUALIFICATION). This rare financing opportunity may allow eligible buyers to secure a significantly lower interest rate compared to current market rates—offering substantial potential monthly savings and increased purchasing power. Better than new and thoughtfully upgraded, this beautifully maintained two-story home is located in The Crossings community in St. Cloud. Built just two years ago, this spacious residence offers approximately 1,946 square feet of living space, featuring 3 bedrooms, 2.5 bathrooms, a versatile loft, and a 2-car garage—combining modern design with true move-in-ready convenience. The open-concept first floor creates an inviting environment ideal for both everyday living and entertaining. The stylish gourmet kitchen showcases quartz countertops, shaker-style wood cabinetry, Samsung stainless steel appliances, a pantry, and a designer backsplash that adds a custom, elevated touch. The kitchen flows seamlessly into the spacious gathering room, creating a comfortable and functional layout. Enhanced beyond builder-grade finishes, the home features updated modern lighting fixtures and ceiling fans throughout, adding both style and comfort. The main living areas and bathrooms are finished with luxury vinyl plank flooring, while the bedrooms offer stain-resistant carpeting for added warmth and durability. Upstairs, the thoughtfully designed layout includes three generously sized bedrooms and a versatile loft—ideal for a home office, media space, or additional living area. The owner’s suite offers a spacious walk-in closet, linen storage, and a private en-suite bath complete with dual vanities and a tiled shower. Situated in a prime location, The Crossings is nestled within the rapidly expanding growth corridor between Lake Nona and NeoCity—two of Central Florida’s most innovative and high-growth areas. With continued development throughout Osceola County and St. Cloud, this location offers strong potential for long-term value and future equity growth. Enjoy the benefits of a nearly new home with upgrades already completed—without the wait, stress, or additional expenses of new construction. THIS IS A WINDOW OF OPPORTUNITY YOU WON’T WANT TO MISS.