12231 DIVIDING OAKS Trail E *2.25% ASSUMABLE LOAN-A RARE OPPORTUNITY!* Qualified buyers may have the opportunity to assume the existing loan at an exceptional 2.25% interest rate, subject to lender approval and loan assumption requirement's. Nestled on a private 0.70-acre conservation lot with a scenic creek leading to Julington Creek, this beautiful 4BR/2.5BA home offers the perfect blend of privacy, space, and convenience in the heart of Mandarin. The chef's kitchen features dual sinks, double ovens, built-in double microwaves, a center island, and a breakfast nook. Rich wood floors and custom molding add timeless elegance throughout. Enjoy a double-sided fireplace in the main living areas and a second fireplace in the spacious owner's suite. Step outside to a peaceful backyard surrounded by mature trees and nature, while remaining just minutes from shopping, dining, and entertainment. With an assumable 2.25% loan and a desirable Mandarin location, this is an opportunity you will not want to miss!