3.92% Assumable FHA with Roam! Own a piece of modern luxury with this beautiful ENERGY-EFFICIENT home in the sought-after Old Hickory community. This contemporary retreat offers unmatched value with a 3.92% ASSUMABLE FHA LOAN and the security of a NEWER BUILD (2022). The heart of the home is an expansive GREAT ROOM and chef-inspired kitchen featuring a massive social island and premium quartz countertops. Designed for ultimate privacy, the split-wing floor plan places the SECLUDED RETREAT at the rear, offering a SPA-LIKE ENSUITE and tranquil WATER VIEWS. Enjoy a LARGE BACKYARD and resort-style amenities including a COMMUNITY POOL, playgrounds, and dog parks for a remarkably LOW HOA. This prime LOCATION puts you minutes from top St. Cloud attractions with an easy commute to Lake Nona and Orlando. Skip the construction wait—this move-in-ready sanctuary is ready for you!