Seller offering a $5,000 credit to buyer and Seller willing to do Assumable at a 2.625% for the right terms. (current payment on assumable with taxes and insurance is $1617) HOA covers all lawn service to include; cut, trim, edging, fertilization, & yard pest control. In addition, it also covers DIRECTV service and all of Hammock Bays' amenities that include access to community pools, pickleball courts, and additional private Firefly community pool, adding a fun and active lifestyle element right in the neighborhood. This 4-bed, 2-bath home located in a desirable gated community in Hammock Bay. This spacious home offers the perfect blend of comfort, privacy, and low-maintenance convenience with yard maintenance included in HOA fees. Step inside to discover a functional and inviting layout with generous living spaces, ideal for both everyday living and entertaining. The home features four well-sized bedrooms and two full bathrooms designed for comfort and practicality. Outdoors is perfect for relaxing, entertaining guests, or cooling off during warm summer days. Tesla charger included and whole house surge protector installed by CHELCO