This stunning Cal-Atlantic home in the gated community of Terra Costa is loaded w/ high-end upgrades & thoughtful details. Highlights include an extended screened paver patio, custom mudroom, quartz countertops, expanded kitchen bar, updated lighting & fixtures, plantation shutters, & no carpet on the first floor. Enjoy modern comforts like dual tankless water heaters, dual HVAC systems with UV mold protection, automatic patio shades, and Cat 5 wiring throughout--even on the lanai. The open-concept layout is perfect for entertaining, w/ oversized sliders leading to a private preserve view. The first floor features the primary suite, Jack-and-Jill bedrooms, & a flexible office or dining space. Upstairs offers another bedroom, full bath, & a spacious loft or 5th bedroom. Complete w/ a 3-car tandem garage, ample storage, & access to Terra Costa's pools, playground, & more--all with low HOA and no CDD fees. Minutes from the beach, UNF, and the Mayo Clinic--this one checks every box!