Assumable VA loan at 2.375%, one of the lowest rates available in today's market, makes this stunning Tudor-style estate an extraordinary opportunity. Tucked on a private 1.22-acre cul-de-sac lot in Bartow's sought-after Waterwood community, this three-story home offers 5 bedrooms, 3.5 bathrooms, and 4,400+ sq ft of timeless architecture that simply cannot be replicated. Diamond-pane windows, soaring ceilings, and two wood-burning fireplaces set the tone from the moment you arrive. Recent upgrades include a new electrical panel with whole-house surge protection, a new septic pump with a transferable three-year service agreement including two future pump-outs, a new trash compactor, new white oak flooring in the primary suite, and a freshly painted exterior protected by a 25-year Rhino Shield warranty. An active termite maintenance bond is in place and transferable to the new owner. The third floor offers a private retreat with its own kitchen and laundry, ideal for extended family, guests, or a teen looking for their own space. Out back, a screened saltwater pool and spa sit within a 1,700 sq ft enclosure, surrounded by on-site citrus and banana trees. Community tennis and pickleball courts and the scenic Fort Fraser Trail are just minutes away. A home this distinctive, on a lot this private, at a rate this rare. Schedule your showing today.