Rare Opportunity - FHA ASSUMABLE LOAT AT 2.99%! Take advantage of a low 2.99% interest rate with approximately $277,000 remaining on the loan, offering a potential monthly payment far below today's market rates for qualified buyers. Built in 2022, this beautiful single-story home in the Heritage Hills community of Dade City features 3 bedrooms, 2 bathrooms, and a 2-car garage, along with a screened lanai perfect for enjoying Florida evenings. The home offers a desirable split floorplan, with two bedrooms and a full bath on one side while the private primary suite with en suite bath is located on the opposite side. The open-concept living space connects the kitchen, dining, and living areas, making it ideal for entertaining or everyday living. Inside you'll find neutral tile flooring throughout wet areas (kitchen and bathrooms), with soft beige carpeting in the bedrooms for comfort. The homeowner has added several upgrades including painted kitchen cabinetry with added hardware, a stylish feature wall, and a screened lanai that enhances the indoor-outdoor living space. Located in the growing Heritage Hills community in Dade City, this home offers modern construction, thoughtful upgrades, and an incredible financing opportunity that is hard to find in today's market.