ASSUMABLE 3.5% INTEREST RATE! An incredible opportunity to own a beautifully updated home in the highly desirable Pine Ridge community of Middleburg! This stunning 4-bedroom, 2-bathroom home shows like a model and offers the perfect blend of modern luxury, warmth, and everyday comfort. From the moment you step inside, you'll appreciate the inviting atmosphere, beautiful LVP flooring throughout, and thoughtfully designed open-concept layout that seamlessly connects the living and dining spaces. The true showstopper is the luxurious owner's suite, featuring a spa-inspired bathroom that feels like your own private retreat! Complete with a gorgeous soaking tub, oversized shower with frameless glass enclosure, and stunning hand-selected ceramic tile, every detail has been carefully chosen to create a space that is both elegant and relaxing. The NEW HVAC adds to the home's move-in-ready appeal. The desirable split-bedroom floor plan offers privacy, with three spacious secondary bedrooms thoughtfully separated from the owner's suite. Step outside to enjoy a wonderful backyard with plenty of room for pets, outdoor entertaining, or simply relaxing in your own space. Located in the sought-after Pine Ridge community, residents enjoy access to resort-style amenities, including a sparkling swimming pool, tennis courts, pickleball courts, basketball courts, and more! Conveniently located near highly rated schools, with some within walking distance, and just minutes from the First Coast Expressway, providing easy access to major highways, shopping, dining, and everything Northeast Florida has to offer. And the best part? An assumable 3.5% interest rate for qualified buyers! In today's market, an opportunity like this is hard to find. Whether you're purchasing your first home, looking for more space, or simply searching for a beautifully updated property with an exceptional financing opportunity, this home checks all the boxes. Beautifully updated, perfectly located, and offering an incredible financing opportunity. This is one you don't want to miss!