Offering up to $15,000 in concessions with an acceptable offer! With Preferred lender, buyers can choose to use $8,650 toward a temporary 2-1 rate buydown and $6,350 toward closing costs, helping reduce upfront expenses and lower monthly mortgage payments during the first two years OR we'll work with the lender to determine the best way to maximize these seller-paid concessions! A wide foyer welcomes you inside, with a flexible room behind French doors at the front of the home-complete with built-in shelving and an entertainment center with sliding barn doors for additional storage. It's a great setup for a home office, media room, or a game room. The main living area opens up with a spacious great room, dining area, and kitchen all connected-making it easy to live in and easy to gather. The oversized granite island anchors the space, offering plenty of room for seating, prep, and everyday life. You'll find abundant cabinet and counter space in the fully equipped kitchen, gas stove, and a new refrigerator. The layout offers a smart split-bedroom design with 4 spacious bedrooms and 3 full baths. Just off the kitchen, one bedroom and bath are tucked away on their own hallway-ideal for guests or a more private setup. On the other side of the home, the owner's suite overlooks the backyard and features a tray ceiling, a spacious walk-in closet, and a well-appointed private bath with double vanities, a garden tub, tiled shower, water closet and large walk-in closet. Two additional bedrooms, another full bath, and the laundry room with extra storage space are also located on this side. Out back, the sliding glass doors open wide to a screened-in porch, creating a comfortable transition to the outdoors. The fenced backyard offers privacy, with room to customize if you'd like to take advantage of the pond view behind the home. Additional features include spray foam insulation for energy efficiency, an over-sized two-car garage with extra space for storage or a workshop (approximately 618 sq ft total), system in place to hook up emergency generator and an EV charging outlet. Centrally located just minutes to Kings Bay Naval Submarine Base, with convenient access to shopping, grocery stores, and a variety of local restaurants. I-95 is nearby, Jacksonville International Airport is about 30 minutes away, and beaches are within about 45 minutes.