$0-DOWN USDA FINANCING MAY BE AVAILABLE! This home is in a USDA-eligible area, and qualified buyers may also have access to Florida Housing or Hernando County down payment assistance of up to $50,000. Welcome to Whispering Oaks Estates, where this spacious, move-in-ready home sits on the 8th hole with peaceful pond and golf course views. Offering the largest floorplan in the community, the home greets you with soaring ceilings, clerestory windows and natural light throughout. With 3 bedrooms, 2 full baths and a large bonus room, there's room to grow: use it as a home office, media room, hobby space or 4th bedroom. The bright kitchen features skylights, generous counter space and an island with seating, open to the dining and family areas, so cooking and entertaining flow naturally. The primary suite is a true retreat with a walk-in closet, dual vanities, soaking tub, separate shower and a skylight. Step out to the expansive tiled, screened lanai to enjoy morning coffee or quiet evenings overlooking the fairway, the gardens and the birds and butterflies that visit daily. Recent updates include a new A/C, a new garage door opener, hurricane-rated sliding doors and newer hurricane windows. Quiet and private, yet close to shopping, dining, medical facilities and major roads. Schedule your showing today!