ASSUMABLE 2.75% VA LOAN - Modern Luxury Meets Everyday Comfort in Palencia. This impeccably upgraded 6-bedroom, 4-bath stunner with an oversized 3-car garage and a giant bonus room blends thoughtful design, high-end finishes, and everyday functionality into one unforgettable property that has been fully refreshed and upgraded. This turnkey home is a rare find—move-in ready with premium features, plenty of storage space, and access to one of the best communities in Northeast Florida. With nearly $200,000 in recent upgrades, this home offers the best of modern living—just minutes from historic downtown and pristine beaches. Step inside through the dramatic two-story foyer and into a light-filled open layout with soaring ceilings, expansive living spaces, and surround sound throughout. Anchoring the heart of the home is a cozy gas fireplace with custom walnut-inlay built-ins, perfect for relaxing or entertaining. The chef's kitchen is both stylish and practical, featuring large quartz surfaces (2021), gas cooktop with hood, dual-fuel ovens, tile backsplash, soft-close cabinetry, under-cabinet lighting, a brand-new ultra-quiet KitchenAid dishwasher (2025), and an in-kitchen water filtration system (2024). Just steps away, you'll find a fully remodeled walk-in pantry (2025) with quartz counters, custom shelving, and built-in cabinetry, as well as a newly renovated laundry/workspace (2025) complete with a farmhouse sink, desk and quartz counters. The main-floor primary suite offers a peaceful retreat with a tray ceiling featuring custom wood inlay and a spa-like bathroom remodel (2022) with dual vanities, designer tile, and a walk-in shower. Also on the first floor: a private guest bedroom and full bath, formal dining room with updated lighting, and commercial-grade (30-year) luxury vinyl plank flooring with cork backing for added comfort. Upstairs, enjoy three spacious bedrooms, two full bathrooms, and two oversized bonus roomsperfect for a home gym, media room, or playroom. A fully renovated guest bath (2023) and updated Jack-and-Jill bath (2021) add extra polish. Fresh paint in all upstairs bedrooms and closets keeps things move-in ready. One of the three garage bays has been converted into a climate-controlled workshop/studio (or classic car garage), ideal for hobbies, workouts, or remote work. The oversized garage still has room for bikes and a golf cart. Additional upgrades include garage overhead storage racks (2021), a fully screened-in patio (2021), and dual 220V EV charging outlets. Energy-Efficiency Highlights: " 11.5 kW owned solar panel system (2023) with 1:1 net metering and a 25-year performance guarantee. " Three-zone Ecobee smart thermostats linked to doors and windows for increased efficiency " Upgraded Attic insulation + radiant barrier (2024) " Pest-block soffit covers (2024) " Full gutter system (2022) " New ceiling fans (2025) " New washing machine (2023) Living in Palencia Means: Resort-style amenities just a golf cart ride awayprivate Arthur Hills-designed golf course, lap pool, family pools with waterslide, Har-Tru tennis courts, pickleball and basketball courts, miles of nature trails, miles of quiet roads and cycling paths, a private boardwalk to the Intracoastal Waterway, spa, dining, fitness classes, and top-rated St. Johns County schools. Don't waitschedule your private tour today. Excluded from sale: garage storage cabinets, large metal shelving, ceiling-mounted bike racks, pottery kiln, and wooden workbench in the studio. Preferred lender Duncan Yehl (NMLS 2619986) with Movement Mortgage (NMLS 39179) offering 1% credit of buyer's loan amount towards buyer's closing costs and pre-paids when using him for financing.