12 S SCHOOL AVENUE

Virtually Staged. Under Construction. SPECIAL SELLER INCENTIVE — CHOOSE ONE! Buyers with a 640+ FICO may qualify for an FHA 30-YEAR FIXED RATE AS LOW AS 5.625% (6.397% APR) OR choose up to $15,000 toward eligible closing costs, prepaids and escrows. Buyers below 640 FICO who qualify for financing may still receive the closing-cost incentive but are not eligible for the advertised 5.625% rate incentive. Buyer chooses ONE incentive — rate buydown OR closing-cost assistance. Buyer may use any lender; advertised incentives are available only when financing through Seller’s preferred lender. One or more photo(s) has been virtually staged. Brand-new construction on 1.3 ACRES in Lecanto, never lived in! This 4-bed, 3-bath, 3-car garage home offers 2,478 sq ft of open-concept living. The private owner's suite features dual walk-in closets and a spa-style bath, plus a secondary suite with its own full bath — perfect for guests or multigenerational living. Enjoy a spacious island kitchen with walk-in pantry, quartz counters, stainless Samsung appliances, and luxury vinyl plank flooring throughout the main living areas. A covered lanai extends your living space outdoors, and a drop zone, laundry room, and oversized 3-car garage add convenience. Energy-efficient systems, smart doorbell, and builder warranty included. Room to roam with no rear neighbors and space for a future pool. Minutes to Black Diamond Ranch golf, Crystal River springs, and the Suncoast Parkway. Some photos are renderings and/or of a similar completed model. Features, finishes, colors, and specifications may vary. FINANCING DISCLOSURE: Advertised 5.625% interest rate (6.397% APR) is for FHA 30-year fixed financing and is available only to qualifying borrowers with a minimum 640 FICO through Seller’s preferred lender, Prime Mortgage Holdings, NMLS #2622721, Equal Housing Lender; Jeremy West, NMLS #2587193, jwest@jwestloans.com. Buyers below 640 FICO are not eligible for the advertised rate incentive but may still qualify for up to $15,000 toward eligible closing costs, prepaids and escrows, subject to loan approval and applicable program limits. Seller incentive may be applied toward the advertised interest-rate buydown OR eligible closing costs, prepaids and escrows; incentives cannot be combined. FHA Upfront Mortgage Insurance Premium (UFMIP) is excluded from the closing-cost incentive. No cash back or other consideration will be provided for any unused portion of the incentive. Buyer is not required to use Seller’s preferred lender and may obtain financing from any lender; however, advertised Seller incentives are available only when financing through Seller’s preferred lender. Financing and incentives are subject to borrower qualification, credit, income, FHA and lender requirements, underwriting, property approval, applicable Seller-contribution limits, and rate availability. Rates, terms and availability are subject to change. This is not a commitment to lend. See attached Seller Financing Incentive Disclosure for complete terms.