Stop Hunting! This one's worth a second look. Assume a VA loan at just 2.99% on this spacious 4-bedroom, 2.5-bath home in Ortega Crossings, and keep your monthly payment hundreds below what today's rates would cost you. At $300K with low HOA (lawn care included!) and zero CDD fees, the value here is hard to match. Nestled in a quiet, well-established neighborhood minutes from NAS JAX, this nearly 2,000 sq ft home offers the kind of layout that just works -- open and airy main living areas flooded with natural light, generously sized bedrooms, and smart use of space throughout. The large owner's suite with a walk-in closet and private bath, while the additional rooms flex easily as guest rooms, home offices, or whatever life brings. Step outside to a screened-in patio and fully fenced backyard ready for weekend grilling, morning coffee, or the pets roam. Easy access to I-295, plus shopping, dining, and schools just minutes away. Qualified VA buyers -- this assumption will not last long!