** EXTRA FINANCING BONUS & IMMEDIATE EQUITY** (see below for details) Discover the charm of this beautiful block and stucco home in the highly desirable Palm Harbor area of Palm Coast-an ideal choice for first-time homebuyers or those looking to downsize, and featuring NO HOA OR CDD! The interior is bathed in natural light, creating a warm and inviting atmosphere throughout. The property features a long driveway with ample parking for guests and is situated on an expansive .39-acre lot-a rarity in Palm Coast-offering incredible potential for a swimming pool, an in-law suite, or a private compound. While listed at 1,412 sq ft, the home includes an additional 150 sq ft of heated and cooled space currently utilized as a home office. The primary bedroom offers a serene layout complete with a walk-in closet and ensuite bathroom. Outside, the fully fenced yard provides a perfect retreat for kiddos and pets. Located in an established neighborhood filled with mature trees, this home offers a peaceful setting away from the bustle of recent development while remaining just minutes from schools, churches, shopping, dining, and only 10 minutes to our world-class beaches. You are also 5 minutes away from the James F. Holland Memorial Park, which features a massive splash pad, adventure playgrounds, a fenced dog park, and extensive sports facilities. Nearby, the Southern Recreation Center offers even more amenities, including 15 tennis courts and 12 pickleball courts. Experience the perfect blend of tranquility and convenience! **FINANCING EXTRA BONUS & IMMEDIATE EQUITY**: A rare and highly lucrative loan package is available for qualified buyers! Assume the existing primary mortgage from 2020 with a rock-bottom 3.25% int rate. Combine this with a second mortgage at current market rates, and with just a 3.5% down payment, you can step into an unbelievable financing package. This unique blend unlocks incredible monthly savings compared to total modern financing and gives a buyer tremendous value from day one! Ask for details. TIMING IS EVERYTHING: With the historic passage of Florida Amendment 3, establishing your permanent Florida residency and closing on this home before the December 31, 2026 cutoff allows primary residents to bypass the five-year waiting period and unlock the massive new non-school homestead exemptions ($150,000 in 2027 and $250,000 in 2028). Buying as an investment or second home? You will automatically benefit from the incoming 5% non-homestead annual assessment cap starting January 1, 2027, protecting your carrying costs against sharp future tax spikes. Schedule your private tour today!