Updated Ranch on .39 Acres | No HOA | 2.5% Assumable VA Loan! Welcome home to this beautifully updated 3-bedroom, 2-bathroom ranch-style retreat in a quiet Jacksonville neighborhood with no HOA! Situated on an expansive, fenced .39-acre lot with mature trees, this move-in-ready home offers 1,368 sq. ft. of tastefully modern living space and exceptional outdoor privacy. Interior Highlights: *Open-Concept Living: Bright, airy layout featuring wide-plank flooring, recessed lighting, and seamless flow between living and dining areas. *Renovated Open Concept Kitchen: Outfitted with beautiful quartz countertops, contemporary cabinetry, stainless-steel appliances, a stylish tile backsplash, and a large center island. *Comfortable Suites: Primary bedroom features luxury vinyl plank flooring and spacious closets. Both bathrooms are fully refreshed with modern fixtures and quartz countertops. *Major Upgrades & Perks: **Low Interest Rate: VA Assumable Loan available at an incredible 2.5% interest rate! **Mechanicals: New HVAC & ductwork (2022), roof (11 yrs), and septic serviced (2021) **Roof approximately 11 years old and in very good condition **Bonus: City sewer connection expected within 2 years at no cost to the homeowner. Outdoor Oasis & Location: Step outside to your tiled, oversized screened lanai--the perfect spot to enjoy Florida evenings overlooking your huge, park-like backyard. With plenty of room for pets, gardening, play structures, or a future pool, the outdoor possibilities are endless. Conveniently located just 3.8 miles from I-95, putting major highways, military bases, shopping, and dining right at your fingertips. Motivated seller--schedule your tour today!