This home could be yours with just 3.99% interest! Seller financing is available for qualified buyers at 3.99% interest, 20% down payment and a 15 year term. Brand new, luxury 2 bedroom, 2 bathroom home with an office built by Ernie White Construction, located in the premier gated 55+ community of Lake James. This spacious and upgraded home has a split open floor plan, a great room with a dining area, inside laundry with utility sink and closet, and a screened back porch overlooking a wooded area. The master bathroom suite has a walk in shower, double sinks, and a huge walk in closet. The home is loaded with upgrades including quartz countertops, a paver driveway, two car garage with door opener and epoxy floor, a screened in lanai, crown molding throughout the home, 8 tall doors, 5 baseboards, and St. Augustine sod with irrigation system. Community amenities include a heated pool, clubhouse, fitness center, meeting/card/game room, library, walking trails, and games such as shuffleboard, bocce ball, and horseshoes. Lawn care, lawn spraying, Spectrum TV, and internet are also included in HOA fees (please note there are no CDD fees).