Take advantage of a rare assumable financing opportunity through Freedom Mortgage with a low 5.25% interest rate available to qualified buyers. Buyer closing costs through Freedom Mortgage are covered, no appraisal is required, and the assumption process typically takes approximately 45 days with a low $1,800 assumption fee-offering significant savings and added convenience compared to traditional financing. This beautifully designed 2023 Cali model "Smart Home" is located on a corner lot in the sought-after Prairie Oaks community in St. Cloud. This move-in ready 4-bedroom, 2-bathroom home showcases a bright open-concept floor plan with modern tile flooring throughout the main living areas, granite countertops, stainless steel appliances, and a spacious center island that perfectly connects the kitchen, dining, and living spaces-ideal for entertaining and everyday living. Designed with both comfort and functionality in mind, the split-bedroom layout provides added privacy, while the spacious primary suite creates the perfect retreat at the end of the day. Step outside to enjoy the open rear porch and fully vinyl-fenced backyard, offering plenty of space for relaxing, pets, play, or outdoor gatherings. Prairie Oaks offers residents a welcoming neighborhood atmosphere with convenient access to Lake Nona, Medical City, Orlando International Airport, shopping, dining, and major roadways including Florida's Turnpike, making commuting a breeze. Enjoy the charm of St. Cloud with nearby parks, lakes, recreational activities, and growing local amenities while still being close to everything Central Florida has to offer. This nearly new home combines modern finishes, energy-efficient construction, and an unbeatable location-ready for you to move right in and enjoy. Home is NOT in a flood zone per LOMR.