Seller offering credit toward appraisal costs when using preferred lender. Well-maintained 4-bedroom split floor plan with owner's suite near NAS JAX offering flexibility, and no HOA restrictions. This property features a functional layout with a versatile den that can easily serve as a home office, second living space, or potential additional room, perfect for today's lifestyle needs. Enjoy peace of mind with a newer A/C, just 4 years old. The home also boasts a bright interior with plenty of natural light, including a beautiful front-facing bay window that enhances the living space. Step outside to a spacious backyard complete with an oversized shed, ideal for storage, tools, or even a workshop setup. Whether you're a first-time home buyer, downsizing, or investing, this property offers incredible value, flexibility, and no HOA constraints. Don't miss this opportunity to own a move-in ready home with room to grow!