River Retreat in Rivertown - sunset views over the St. Johns River from both your front and back porch. Tucked at the end of a cul-de-sac, this customized single-story home blends Southern charm with smart functionality. **Assumable Loan (Fellow VETS ONLY) of 2.75% rate with balance of $318,819** See Documents for 2nd Mortgage option to bridge the Assumable GAP! Inside, you'll find quartz countertops, a 5-burner gas stove, double ovens, and a Southern Living Charleston-inspired tile backsplash. The butler's pantry—with wine fridge—connects the gourmet kitchen to formal living space. Enjoy custom touches like a brick fireplace, plantation shutters, wood-look tile, shiplap accents, crown molding, and a converted office with built-ins. The oversized garage is fully finished with epoxy floors, built-in storage, and overhead racks. Low CDD fees, quick walk to RiverHouse amenities, and unmatched pride of ownership. They simply don't build them like this in RiverTown anymore. This 4-bedroom plus flex, single-story retreat offers over $100K in custom upgrades that set it apart from anything else on the market. Every room includes thoughtful finishes: tray ceilings, enlarged vanities, glass shower enclosures, recessed lighting, and upgraded moldings. The kitchen boasts a pot filler, wine fridge, walk-in pantry, and barn door designed for maximizing space, entertaining and everyday luxury. The fully fenced backyard includes raised garden beds, a covered patio, and tranquil views of the jogging path and river. Enjoy an oversized laundry room, security system prep, a generator plug, and water softener plumbing already in place. With LOW CDD fees (rare in Rivertown), this gem is just steps from the RiverHouse pool, gym, pickleball courts, and dock.