Welcome to this light and bright 4-bedroom, 3-bathroom home in the gated community of Mill Creek Forest. With low HOA fees and no CDD fees, this home offers exceptional comfort, style, and value in a peaceful, well-maintained neighborhood. The open-concept layout features a spacious kitchen with a large island and breakfast bar, stainless steel appliances, and ample storage, flowing seamlessly into the adjacent dining area and expansive living space. A versatile den on the main floor is perfect for a home office or flex space, and a guest bedroom with full bath offers convenience and privacy. Upstairs, a generous loft provides additional living space, and the split-bedroom design enhances privacy. The spacious primary suite is a true retreat, complete with dual vanity, luxurious walk-in shower, and a private balcony that showcases sweeping, tranquil pond views—perfect for morning coffee or relaxing evenings. Two additional bedrooms and a full bath complete the upper level. One of the standout features of this home is the luxurious indoor saunacrafted from aromatic red cedar and equipped with a premium Harvia heater from Finland, complete with sauna stones for an authentic spa-like experience. This private retreat offers the perfect place to relax, unwind, and recharge, all from the comfort of your own home. Enjoy the convenience of a 2-car garage and access to top-notch community amenities including a resort-style swimming pool, fitness center, tennis court, and playground. Located in the top-rated St. Johns County School District, this home delivers modern living with serene pond views that truly set it apart. Don't miss your chance to own this exceptional property!