There is one thing the 2026 Clermont market cannot put back into inventory: an assumable mortgage at a sub-market fixed rate. The only way to own one in this rate environment is to step into one that already exists — and that is what 3760 Liberty Hill Drive is offering. The home carries an assumable FHA mortgage, transferable to a qualified owner-occupant buyer at closing, subject to lender qualification and FHA approval. See Realtor Remarks for rate detail. That alone is the reason to write the offer. Everything else is the reason you will be glad you did. The residence answers to the buyer who values single-story living, a flexible split-bedroom layout, lock-and-leave ease behind a guarded gate, and a full amenity package on the other side of that gate. Past the 24-hour guard gate at Beacon Ridge — one of Lake County's most established private golf communities, anchored by an Arnold Palmer-designed championship course — Liberty Hill curves through mature landscaping. The brick-paver drive at 3760 ends at an oversized 519-square-foot side-entry two-car garage with built-in cabinetry, attic storage, and a flex nook. Inside, the floor plan reads as if designed by someone who has actually lived in one. The family room opens to nearly four hundred square feet and gives onto a formal dining room and a 15'8" x 12'4" breakfast nook. The kitchen — Corian counters, walk-in pantry, full appliance suite that conveys — looks out toward what becomes the home's outdoor living room. The bedrooms are split: the primary suite occupies a private wing with a 14'7" x 16'9" room, dual walk-in closets, and a primary bath with a separate water closet. The secondary bedrooms sit on the opposite side. Beyond the breakfast nook, a 21-foot screened lanai spans the entire rear of the home, with a glimpse of the Legends course threading between adjacent homes. On the extended brick-paver patio behind a fully fenced backyard sits the soul of the property — a built-in firepit and a built-in grill. This is where the home earns its keep. Inside the Legends master plan: championship golf, clubhouse with on-site restaurant, fitness center, community pool, heated spa, tennis, pickleball, basketball, parks, playground. Cable in HOA. Golf-cart friendly. Monthly HOA dues: $341. Leasing permitted with a seven-month minimum and no association approval. Clermont is the part of Central Florida that hides in plain sight. The Chain of Lakes runs thirteen navigable, interconnected lakes from Cherry to Louisa. Lake Louisa State Park sits fifteen minutes south. Walt Disney World, Universal, and Orlando International Airport are inside an easy commute. A brand-new 2025 roof. Move-in-ready interiors. Guard-gated, full-amenity living. And an assumable FHA loan that does not appear twice. Walk it. Run the math. Write the offer.