3962 LA COSTA Virtually Staged. Welcome to Belle Oak Villas, where easy, low-maintenance living meets a peaceful pond-view setting. This 2-bedroom, 2-bath villa is located in a non-flood zone and features **no carpet**, with tile and laminate flooring throughout, vaulted ceilings, a desirable split-bedroom layout, and a bright open living and dining area. Major updates include a newer 2022 roof, a new A/C installed in 2026, fresh interior paint, and a newly reglazed bathtub. Enjoy morning coffee or evening relaxation on the private screened patio overlooking the pond, with no direct rear neighbors and visiting ducks for company. Tucked away on a quiet dead-end street near one of the community's two pools, Belle Oak Villas offers a convenient location, low quarterly HOA fee of $290, and close access to shopping, dining, and daily essentials. An ideal choice for first-time buyers or downsizers seeking move-in-ready comfort-and a smart opportunity for investors, with **no HOA waiting period to lease**. No damage or flooding from the hurricanes, this home is an ideal primary residence or for snowbirds or as an investment rental property. You won't want to miss this one!