2358 EVENING OAKS Lane **ASSUMABLE 3.375% INTEREST RATE!** Welcome to Cross Creek, where every day feels like you're living at your own private resort. From the zero-entry pool, lap pool, splash pad, fitness center, pickleball courts, dog park, and playgrounds to the gated boat and RV storage, this community truly has something for everyone. Perfectly located just minutes from shopping, restaurants, and the First Coast Expressway, you'll enjoy an easy commute while being zoned for highly rated Clay County schools. Built just five years ago, this beautifully maintained home features an open-concept floor plan designed for both everyday living and entertaining. The kitchen has been upgraded with brand-new quartz countertops and overlooks the spacious living area and peaceful waterfront views. Step outside to your fully fenced backyard and enjoy your extended paver patio, the perfect space for grilling, entertaining guests, or simply unwinding while overlooking the tranquil waterfront. With plenty of room for kids, pets, and outdoor gatherings, this backyard is designed to be enjoyed year-round. Upstairs, you'll find four generously sized bedrooms, each complete with custom closet systems that maximize storage and organization. A transferable termite bond provides additional peace of mind for the next owner. If you've been searching for the perfect combination of an incredible community, modern upgrades, an amazing outdoor living space, and an unbeatable **3.375% assumable interest rate**, this is the home you've been waiting for. Come experience the Florida lifestyle that makes Cross Creek one of Clay County's most sought-after communities.