Discover this beautifully designed 4-bedroom, 3-bathroom home in the desirable Mill Creek Plantation community of St. Johns, with an assumable 2.5% VA Loan. Built in 2020, this 2,644 sq. ft. residence offers a thoughtfully designed open-concept layout with elegant finishes throughout plus tremendous garage space perfect for an RV! The open concept kitchen features dark wood cabinets, a white tile backsplash, granite countertops, and stainless steel appliances—perfect for both everyday living and entertaining. Bright tile floors, fresh carpets, and a neutral color palette create a welcoming and customizable space for new owners. The owner’s suite is a private retreat with a large walk-in closet, double vanity, soaking tub, and separate shower. The home’s spacious secondary bedrooms and bathrooms provide comfort and versatility. The upstairs den at the top of the stairs offers a wonderful nook for an office area or fun space for the kids. Beyond the beautiful interiors, this property boasts multiple garage spaces: an approximate 405 sq. ft. finished front garage, plus an attached approximately 17 x 47 ft. garage/workshop/storage area - ideal for an RV or Boat storage, hobbyists, or a home gym. Enjoy Florida living on the covered back patio, overlooking the fenced backyard, ideal for pets or outdoor gatherings. Eye-catching navy blue decorative shutters enhance the curb appeal. Located in a well-maintained HOA community, this home is an excellent opportunity—especially with its assumable 2.5% VA loan (available to eligible VA buyers).