** Seller offering a 2/1 Mortgage Rate Buydown for buyer! Take advantage of a temporary interest rate reduction- 2% lower for the First year and 1% lower the Second year (with the current mortgage market rate resuming in Year Three. St. Joe 3 Bedroom/2 Bath Cardinal floor plan with a fenced backyard that has been impeccably maintained & a fabulous conservation area view within the Victoria Gardens 55+ neighborhood. Features include luxury vinyl flooring, New Roof & Water Heater replaced on 10/2023, A/C condenser 18’, Plantation style shutters, 5” baseboards, ceiling fans in all Bedrooms/Great Room/Lanai, “no carpet”, water softener & a filtration system. The Light & Bright 17'x 21' Great Room allows you flexibility for furniture placement. Kitchen offers 42" Cherry cabinets w/ crown molding & a 4-burner natural gas range. Primary suite provides a tray ceiling, walk-in closet w/ organizer & an en suite with raised height vanity, dual sinks & a spacious glass enclosed walk-in shower w/ bench seat & a grab bar. You will enjoy your morning coffee or late afternoon beverage on the 17'x 8' screened enclosed covered patio with a remote-controlled shade overlooking the fenced backyard & a scenic conservation area view. Utility room has storage cabinets, washer, electric dryer & a natural gas connection for the future. The 20’ x 21’ garage offers a laundry tub & storage shelving. Victoria Garden residents have access to their own Private Clubhouse. HOA fee includes lawn care, Spectrum HFC TV & internet, and reclaimed water for yard irrigation. Community is within 1 mile of I-4 that offers great access to the east coast beaches, Orlando (40 minutes) and 3 International airports within 1 hour.