A MUST-SEE, 4-Bedroom 2.5-Bath home in sought-after Spencer Creek Community built only TWO years ago! NO FLOOD ZONE with annual HOA under $200. This 2-story home features water views from the large backyard and excellent use of space. Upon entry, you're greeted with a private office/den/study with French doors. Continue down the hall to enter the spacious kitchen, showcasing granite counter tops, stainless steel appliances that come with the home, pantry closet, and an island eating bar fit for entertaining guests or the family. The open floor plan effortlessly flows from kitchen to dining, to the spacious living room with ample natural light, water views, and access to the backyard. Head upstairs to the loft, ready to be used as a kid's play area, movie space, etc. The Primary/Master suite features laminate plank floors, more natural light, and an ensuite bathroom with dual vanities and a private toilet. Master/Primary suite also features spacious walk-in closet. Additional 3 bedrooms are upstairs and share a full bath with a shower tub. Laundry and utilities also UPSTAIRS makes for easy chores and home maintenance. Enjoy access to all amenities Spencer Creek has to offer for UNDER $200/year; community pool, basketball courts, parks/dog runs, playground, community clubhouse.