**2.25% ASSUMABLE VA LOAN FOR ELIGIBLE VA BUYERS!** Welcome to 353 Rivercliff Trail in Shearwater, in the heart of St. Johns County, Florida. This 4 bed, 3 bath craftsman pool and spa home sits behind a brick paver driveway and a stone-trimmed front porch made for slow mornings, on a quiet street with cul-de-sacs at each end. The kitchen has been completely renovated, with a 10 ft island that seats five, GE Caf appliances, TWO GE Caf dishwashers, black stainless steel farmhouse sink, and marble backsplash. The best part of this home is the backyard. A screened and covered lanai gives privacy to your very own pool and spa, installed in 2025. The pool features a sunshelf with built-in umbrella holder, LED colored lights, Pentair Intellicenter for remote control of the features, a Pentair 400K BTU gas heater (the big one), a saltwater system, and multi-colored LED lights. Of course, the pool is surrounded by a deck of sandblasted marble pavers. Start up the heated spa remotely.. Start up the heated spa remotely on your way home so that you can wind down as soon as you walk in the door! The backyard is fully fenced and faces a protected preserve with wooded views. A walking trail through the preserve connects the cul-de-sacs at each end of Rivercliff Trail. If you love nature, this is the place to live. This home has over $250K in upgrades, including custom built-ins with a shiplap accent wall in the living room, custom shelving and shiplap in two bedrooms, and shiplap throughout the primary bath with a new vanity and lighted mirrors. The primary closet has custom drawers and shelving. The laundry room has added cabinetry and a utility sink. Under-stair space finished in 2026. UV light on the HVAC for air purification. Surge protectors on both electrical panels. Owned water softener. All carpet replaced with LVP. Freshly painted in October 2026 and ready for its next owner. Shearwater offers resort-style living all year with a resort pool, lazy river, 3-story water slide, fitness lodge, tennis courts, two dog parks, 15 miles of trails, multiple playgrounds, a kayak launch on Trout Creek, and fun community events year-round. And finally, emphasis on the rate. Remember 2.25%? This Shearwater pool home comes with an assumable VA loan at 2.25% for eligible VA buyers. That can mean a monthly payment far below today's rates.