Rare Financing Opportunity Assumable FHA Loan Available! Why pay todays high interest rates when you can assume the sellers low rate FHA mortgage? The seller has already obtained the assumption packet, making this a seamless option for qualified buyers a huge advantage that could save you hundreds every month! Move In Ready in Prime Jacksonville Location with No HOA! Welcome to 5315 Colonial Avenue a beautifully maintained 3 bedroom, 2 bath home built in 2018, offering the perfect blend of modern style, quality construction, and everyday convenience. With Hardie Plank siding for lasting durability and easy insurability, this home is a smart choice in todays Florida market. Step inside to fresh interior paint and luxury vinyl plank flooring that flows throughout the main living areas. The spacious open layout features a true two car garage, a large primary suite, and a bright, welcoming kitchen perfect for both relaxing and entertaining. A built in security system provides peace of mind, and with no HOA, you have the freedom to enjoy your property your way. All of this in an ideal location just minutes from I 10, NAS Jacksonville, downtown, and a wide variety of shopping and dining options. This home checks all the boxes for comfort, convenience, and low maintenance living plus the incredible bonus of an assumable FHA loan!