Skip the builder wait and move into this 4 bed / 2 bath split plan home with a whole home generator, storm shutters, privacy fenced yard, and USDA ZERO DOWN eligibility. This home offers 1,989 sq ft of thoughtfully designed living space in the desirable Mattie Pointe community, giving you the look and feel of new construction without the delays, uncertainty, or added builder costs. Step inside to an open concept layout that is perfect for both everyday living and entertaining. The spacious great room flows seamlessly into the dining area and modern kitchen, where you'll find an oversized quartz island with bar seating, stainless steel appliances, plenty of cabinetry, and luxury vinyl plank flooring that is both stylish and durable. The split bedroom floor plan provides privacy, with the primary suite tucked away from the secondary bedrooms and featuring a generous walk in closet and ensuite bath. This home is loaded with upgrades focused on comfort, safety, and convenience. A whole home generator keeps the lights on and the A/C running during Florida storms, while hurricane storm shutters, double pane energy efficient windows, and gutters add extra protection and peace of mind. The fully vinyl fenced backyard creates a private outdoor retreat with space for pets, play, gardening, or a future patio, and the 2 car garage offers additional storage and parking. USDA financing means qualified buyers may be able to purchase with no down payment, making this property an exceptional opportunity compared to many new construction options in the area. Combine that with low HOA fees in Mattie Pointe and you have an attractive monthly payment and minimal ongoing costs. The community's Auburndale location provides convenient access to I-4, making commuting to Lakeland, Orlando, or Tampa straightforward, and putting you close to shopping, dining, schools, parks, and major Central Florida attractions like theme parks and lakes. If you've been looking for a move in ready, nearly new home with modern finishes, meaningful storm season upgrades, privacy, and favorable financing options, this is it. Skip the builder line, skip the uncertainty, and step into a home that's ready now schedule your private showing today before it's gone! For a video walk through of this home scroll down to Facts and Features and click on video and virtual tour or visit Bridgette Donahue Real Estate Youtube channel! Enjoy!