Lakefront home built in 2023, priced under $400K--and now offering $10,000 toward buyer closing costs or rate buy-down. Get the benefits of new construction without the wait--and without the added upgrade costs. Situated on a premium lakefront homesite in the Gardens at Waterstone, this two-story residence offers over 2,100 square feet of thoughtfully designed living space with 4 bedrooms, 2.5 baths, and a spacious loft. The open-concept main level features tile flooring throughout and a seamless flow between the kitchen, dining area, and great room--perfect for everyday living and entertaining. Unlike many new construction homes, this property is already upgraded beyond builder grade, including accordion shutters for 2nd floor, a stylish tile backsplash, upgraded lighting, ceiling fans throughout, and a screened lanai overlooking the peaceful lake--features that often cost buyers thousands after closing. Upstairs, all four bedrooms are thoughtfully positioned along with a centrally located laundry room and a versatile loft ideal for a home office, study space, or second living area. Located in a resort-style community offering a pool, tennis courts, pickleball, playground, and recreation areas, with easy access to I-95, shopping, dining, and the growing St. Johns Heritage Parkway corridor. Comparable new construction homes in the area often exceed $420K once lot premiums and upgrades are added--making this lakefront home an exceptional value. Why wait months to build when this upgraded, move-in ready home is available now?