Listed by TAMMY BARANOWSKI of MOMENTUM REALTY,
ASSUMABLE VA LOAN AT 3.125% -- AND YOU DO NOT HAVE TO BE A VETERAN TO ASSUME IT. Approximately $530,000 is assumable at 3.125% by any qualified buyer, subject to servicer approval. Against today's rates, that is a payment difference most buyers cannot buy their way to. Now the home that comes with it: a custom brick two-story on 2.56 private acres with no HOA. Nearly 3,800 square feet, 5 bedrooms, 4 full baths, fresh interior paint, brand-new carpet and a 2023 roof. Multiple living spaces leave room for an office, game room, media room, multigenerational suite or a 6th bedroom. Soaring ceilings, extensive millwork and a spacious primary suite with a jetted tub. Outside: covered porch, breezeway, two patios, circular drive and an oversized 3.5-car garage with room for an RV, hobbies, garden or horses. Convenient to Cecil Commerce Center, major roadways and JAX airport. Zoned for A-rated Clay County schools.

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Federal 30-year interest rate: 7.28% last updated on Oct 1, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.

 "Based on information submitted to Northeast Florida Association of REALTORS as of October 5, 2026 6:17 PM UTC . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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