5.76% Assumable Rate! Motivated Sellers! Immaculate 4BR/2BA home on a quiet cul-de-sac in the highly desirable Girvin area! This move-in ready home features an open floor plan, updated kitchen, stainless steel appliances, and a large island. New fixtures, paint and a spacious primary suite with walk-in closet and dual vanities. Enjoy a fully fenced backyard, covered patio, and 3-car garage. Conveniently located near Atlantic & Neptune Beach, Mayport Naval Station, top-rated schools, and major shopping/dining. No CDD | Low HOA | Coastal Living | Turnkey Schedule your private showing today—this one won't last! The bathrooms feature updated plumbing fixtures, & stylish light fixtures have been added throughout the home. Freshly painted interior ready for you! The laundry room is equipped with built-in cabinets, washer and dryer, and every room features ceiling fans for added comfort. Additional highlights include a whole-house water softener, invisible front door screen, portable generator hookup, and updated exterior paint (2020). French doors lead to a screened-in patio with pavers and ceiling fan, overlooking the fully fenced backyard with updated 6' vinyl fencing for added privacy. Just three homes down, enjoy private access to the community dock and kayak launch on Mt. Pleasant Creek  perfect for peaceful paddling or fishing. Bonus: Sellers have an assumable loan at just 5.625%  a rare and valuable opportunity in today's market! Don't miss your chance to own this move-in-ready gem in a prime location.