Seller offering a $3,000 credit toward the buyer's closing costs and prepaids! 3-bedroom, 2-bathroom concrete block home on a corner lot in Tierra Woods, Palatka, with a pond view and no HOA. The split-bedroom layout places the primary suite away from the two secondary bedrooms for added privacy, and the primary includes a walk-in closet. Vinyl flooring runs throughout, with ceiling fans in the main living areas. The kitchen includes a Samsung electric range, dishwasher, and microwave, all included at closing along with the Maytag washer and dryer and a Clack 1054 whole-home water softener. Outside, a large screened patio and a separate pea gravel and paver patio overlook the pond and open yard space, with a brick firepit and garden trellis. The front garden runs on drip irrigation with a programmable timer. A brand-new Graceland storage shed adds extra storage alongside the attached 2-car garage. Built for long-term ownership: a lifetime metal roof approximately 3 years old, a new HVAC system installed in 2022, and annual termite protection through Crescent City Termite Control. Located in the Greater Palatka area with public sewer and water. No HOA, no restrictions, move-in ready.