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VA Assumable Loan at 2.25%. A rare chance for qualified buyers to lock in huge savings. Located in the highly sought-after Pablo Bay, this 5BR/4.5BA home sits on a quiet cul-de-sac with a flexible layout & major upgrades throughout. The split floor plan includes two living areas, a formal dining room, and an eat-in kitchen that flows into the main living space. All bedrooms but one are on the main floor. Updates include: • New LVP flooring • Fresh interior/exterior paint • Updated kitchen (all appliances convey) • New fixtures • Newer A/C units • Wired for Ethernet throughout • Water softener system • 3-car garage with oversized driveway (no street parking ...needed) Bonus spaces abound; Florida room (approximately 700 square feet [not air conditioned] and a paver patio with fire pit overlook the fully fenced backyard with citrus tree. Community amenities are A PLUS. Other highlights: " Roof (2014) " Water heater (2020) " Top-rated schools " Community amenities " Just 5 miles to the beach, 1 mile to Mayo Clinic, and convenient to both Mayport and NAS Jax " Low HOA, no CDD Ask how to assume the 2.25% VA loan; it's a game-changer.

REAL MLS, MLS#: 2099544
Listed By: HOVER GIRL PROPERTIES, JOY DOYLE
Co-listed By: LARA YEHL
Sold By: 904 REALTY LLC, TRAVIS TRICE

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Bedrooms

  • Total Bedrooms: 5

Bathrooms

  • Full bathrooms: 4
  • Half bathrooms: 1

Appliances

  • Dishwasher
  • Disposal
  • Electric Cooktop
  • Electric Oven
  • Microwave
  • Refrigerator
  • Water Softener Owned

Architectural Style

  • Traditional

Association

  • Association Fee: $1,500
  • Association Fee Frequency: Annually

Association Amenities

  • Pool
  • Basketball Court
  • Playground
  • Tennis Court(s)

Association Fee Includes

  • Maintenance Grounds

Construction Materials

  • Stucco

Cooling

  • Central Air

Exterior Features

  • Fire Pit

Fencing

  • Back Yard
  • Wood

Flooring

  • Laminate
  • Tile
  • Wood

Heating

  • Central

Interior Features

  • Breakfast Bar
  • Ceiling Fan(s)
  • Eat-in Kitchen
  • Entrance Foyer
  • Open Floorplan
  • Primary Bathroom -Tub with Separate Shower
  • Primary Downstairs
  • Split Bedrooms
  • Walk-In Closet(s)

Laundry Features

  • Electric Dryer Hookup
  • Lower Level
  • Washer Hookup

Levels

  • Two

Lot Features

  • Cul-De-Sac
  • Irregular Lot
  • Sprinklers In Front
  • Sprinklers In Rear

Parking Features

  • Attached
  • Garage
  • Garage Door Opener

Patio and Porch Features

  • Front Porch
  • Glass Enclosed
  • Rear Porch

Property Condition

  • Updated/Remodeled

Road Surface Type

  • Asphalt

Roof

  • Shingle

Security Features

  • Smoke Detector(s)

Sewer

  • Public Sewer

Utilities

  • Cable Available

WaterSource

  • Public
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Listed By:
HOVER GIRL PROPERTIES
JOY DOYLE
LARA YEHL

Sold By:
904 REALTY LLC
TRAVIS TRICE

Data Source: REAL MLS

MLS#: 2099544

Data Source Copyright: © 2026 REAL MLS All rights reserved.

© 2026 REAL MLS. All rights reserved. This MLS was last updated on 11/06/2026 15:17 PM CST

This property was listed on 7/19/2025 and last updated as of 11/22/2025 11:49:33 AM. OSI IDX updated the data from REAL MLS on 11/6/2026 at 11:18 AM. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.

 

904 REALTY LISTINGS