ASSUMABLE VA LOAN AT 4.375% for qualified buyers, subject to lender approval and eligibility requirements! This beautifully upgraded, move-in-ready home in Plummer Creek offers 4 bedrooms, 3 full bathrooms, 2,555 square feet and a spacious 3-car garage--all on one level. Designed for comfortable single-story living, the open-concept floor plan features custom wood beams, bay windows, an electric fireplace with built-in cabinetry and pocket sliding glass doors that connect the main living area to the screened lanai. The gourmet kitchen is the heart of the home, offering an oversized island, extended cabinetry, abundant storage and plenty of room for cooking, entertaining and gathering. The flexible four-bedroom layout provides space for guest rooms, a home office, hobbies or multigenerational living. The spacious primary suite offers a comfortable private retreat, while three full bathrooms add convenience for everyday living and overnight guests. Step outside to enjoy the screened lanai, extended paver patio and fully fenced backyard--perfect for outdoor dining, entertaining, pets or simply relaxing at home. Additional features include a water softener, dual water heaters, wraparound gutters, pull-down attic access and generous storage throughout. The three-car garage provides room for vehicles, recreational equipment, tools, a workshop or additional storage. Located in the desirable Plummer Creek community in Yulee, Florida, residents enjoy a community pool, playground, basketball court and private kayak launch. The neighborhood offers a low HOA and NO CDD fees, with convenient access to I-95, Jacksonville International Airport, Kings Bay Naval Submarine Base, shopping, dining, Amelia Island and Northeast Florida beaches. This home delivers the space of a move-up home, the convenience of single-story living and thoughtful upgrades that set it apart from builder-basic new construction. Schedule your private showing and ask for details about the potentially assumable 4.375% VA mortgage.