3991 SHADY COURT Tucked at the end of a quiet cul-de-sac with no HOA and no deed restrictions, this 2021-built home is full of surprises — starting with the financing. This property is titled as real property on a permanent foundation and is eligible for USDA, VA, FHA, and conventional financing. Qualified buyers may be able to purchase this home with ZERO down payment. Inside you'll find 1, 400 square feet of thoughtfully designed living space — 3 bedrooms, 2 full baths, a split floor plan, walk-in closets, open concept kitchen, vinyl plank flooring throughout, and all appliances included. Built in 2021, the big ticket items are already handled — roof, AC, and systems are all newer. Sitting on nearly a third of an acre with public water, there's genuine outdoor space with room to grow — and with no HOA, you have the freedom to make it your own. Conveniently located near SR-60 for an easy commute to Lakeland or Tampa. Seller is offering $5, 000 toward buyer closing costs. Combined with USDA zero-down financing, a qualified buyer could get into this home with very little out of pocket.