ZERO DOWN PAYMENT NEEDED FOR THIS HOUSE-GET 100% FHA FINANCING!Welcome to this beautiful 4-BED, 3 BATH + OFFICE in the sought-after Bartram Springs community, minutes from Durbin Park Town Center. Enjoy easy access to Publix, Walmart, Home Depot, movie theater, restaurants, shops, and I-95 via 9B. Inside, you'll find a light-filled, open-concept layout designed for everyday living and upscale entertaining. The kitchen features granite countertops, stainless steel appliances, & breakfast bar, all overlooking the spacious dining area and inviting family room. There's also a private office and a separate dining room, which can easily function as a flex space to suit your needs—whether as a playroom, second office, or hobby room. The owner's suite is located on the main floor and offers a private retreat with a spacious walk-in closet and a luxurious bathroom featuring a soaking tub, walk-in shower, and dual vanities—perfect for unwinding. Two additional bedrooms and a full bathroom are also located on the first floor, along with a conveniently placed laundry room. Upstairs, you'll find a full ensuite bedroom with its own private bath and closetan ideal fourth bedroom, perfect for guests, in-laws, a teen retreat, or even a second primary suite. The fully fenced backyard features a covered patio, perfect for outdoor dining, entertaining, or simply relaxing in your private space. This move-in ready home offers flexible living in one of Jacksonville's most sought-after communities. Currently zoned for Bartram Springs Elementary School located within the community! Enjoy all Bartram Springs amenities - Junior Olympic-size pool, water slide, kiddie pool, splash pad, picnic gazebo with dock, athletic fields, 2 parks, tennis courts, fitness center, event center.