Welcome to this light and bright 4-bedroom, 3-bathroom home in the gated community of Mill Creek Forest. With low HOA fees and no CDD fees, this home offers exceptional comfort, style, and value in a peaceful, well-maintained neighborhood. The open-concept layout features a spacious kitchen with a large island and breakfast bar, stainless steel appliances, and ample storage, flowing seamlessly into the adjacent dining area and expansive living space. A versatile den on the main floor is perfect for a home office or flex space, and a guest bedroom with full bath offers convenience and privacy. Upstairs, a generous loft provides additional living space, and the split-bedroom design enhances privacy. The spacious primary suite is a true retreat, complete with dual vanity, luxurious walk-in shower, and a private balcony that showcases sweeping, tranquil pond views—perfect for morning coffee or relaxing evenings. Two additional bedrooms and a full bath complete the upper level. Key Features: Located in the highly rated St. Johns County school district Custom-built indoor sauna with premium Harvia heater Gated community with low HOA and no CDD fees Energy-efficient 2023 construction 2-car garage Resort-style amenities: swimming pool and tennis court Quiet street