The owner has an ASSUMABLE LOAN that you can take over at a 4.625 interest rate! Or you can also purchase this home through a USDA loan, meaning no DOWNPAYMENT REQUIRED!! Welcome to this stunning 4 bedroom, 3 bathroom luxury home with a 2-car garage, located in the highly sought-after gated resort-style community of Bella Lago — with NO CDD! Located across from a large open lot, this home combines privacy and tranquility with the charm of a well-kept community, offering the perfect balance of comfort, style, and convenience. Step inside to an open-concept floor plan featuring high ceilings, elegant tile flooring, and spacious, well-designed interiors ideal for modern living. The chef’s kitchen includes quartz countertops, 42-inch cabinets, stainless steel appliances, stylish backsplash, and a walk-in pantry, perfect for everyday cooking and entertaining. The primary suite is a true retreat, with serene views of the backyard, a huge walk-in closet, and a spa-like ensuite bathroom with dual sinks, a spacious glass-enclosed shower, and a private toilet room. The additional room/den is spacious and versatile, offering a beautiful front-facing view—perfect for a home office, guest room, or study. In addition, all three guest bedrooms are generously sized, providing plenty of comfort and flexibility for family or visitors. Outdoor living is where this home truly shines! Step through the oversized sliding glass doors onto a spacious covered lanai perfect for entertaining, family gatherings, or relaxing evenings under the stars. Bella Lago offers true resort-style living with 24/7 gated security and a 7,000 sq. ft. clubhouse featuring a Jr. Olympic-sized pool, heated spas, water park, fitness center, aerobics studio, tennis, basketball, and volleyball courts. Additional amenities include a boardwalk, biking and jogging trails, dog park, and a lakefront restaurant with poolside service. Located just minutes from Valencia College, shopping, dining, and major highways, this home combines elegance, convenience, and community. With its spacious layout, luxury finishes, and unbeatable location, this property is truly the perfect place to call home.