**ASSUMABLE VA MORTGAGE at 2.375%** Come check out this charming home in the highly desirable Pine Ridge Community! Enjoy an open-concept floor plan with soaring high ceilings that make this inviting home feel exceptionally bright and spacious. The kitchen shines with tile floors, stone countertops, a raised breakfast bar, and a large pantry for ample storage. The primary suite is a true retreat, complete with a soaking tub, separate walk-in shower, and double vanities, plus a generous walk-in closet! Split-bedroom design ensures privacy for all. Additional highlights include a 2-car attached garage, a fenced backyard, and a covered patio. Community Amenities in Pine Ridge include a pool, clubhouse, fitness center/exercise room, playground, basketball court, nature trails, and more - perfect for an active lifestyle. Enjoy low HOA fees and proximity to Clay County schools (Tynes Elementary, Wilkinson Middle, Oakleaf High, Clay Charter Academy), shopping, dining, and quick access to the First Coast Expressway (aka: SR 23). Whether you're a first-time buyer, downsizing, or seeking the perfect family home, this gem offers comfort, convenience, and community charm. Don't miss your opportunity--schedule a showing today!