Rare opportunity to assume the seller's existing 4.375% mortgage (subject to lender approval), offering qualified buyers a unique financing advantage in today's market. Built in 2022, this 5BR/4BA home with a dedicated office offers nearly 2,900 SF of flexible living space designed for today's lifestyle. The open-concept floor plan features a spacious kitchen with quartz countertops, a large island, gas cooktop, double ovens, walk-in pantry, and seamless flow into the dining and living areas. A first-floor bedroom and full bath provide ideal space for guests, multigenerational living, or a home office. Situated on an oversized preserve homesite with an adjacent utility easement for added privacy, enjoy peaceful views from the screened lanai. Community pool and playground. Conveniently located just minutes from Amelia Island, historic downtown Fernandina Beach, Kings Bay, Jacksonville, shopping, dining, and JAX Airport. Residents enjoy community amenities including a pool and playground, all just a short drive to the beach, shopping, dining, Jacksonville, and Kings Bay. This home offers comfort, flexibility, and a convenient location. Schedule your showing today!