ASSUMABLE 4.75% VA LOAN -- available to veterans and non-veterans! A rare opportunity to secure an incredible rate on this waterfront Taylor Morrison home priced UNDER $500K in the highly desirable Amelia Walk community. Perfectly set on a peaceful pond-front lot, this beautifully maintained residence delivers tranquil views, natural surroundings, and true Florida indoor-outdoor living. Inside, you'll find 3 bedrooms, 2.5 baths, plus a dedicated office/flex space. The heart of the home is the inviting kitchen, featuring granite countertops, a large center island, tile backsplash, pendant lighting, and abundant cabinetry. The private owner's suite is thoughtfully tucked away, showcasing calming water views and a spa-like bath with dual vanities, walk-in shower, and a generous walk-in closet. Enjoy luxury vinyl plank flooring and tile throughout--no carpet, plus an expanded enclosed lanai where you can sip your morning coffee or unwind in the evenings while overlooking the water. The fenced yard, brick paver patio, lanai, and driveway complete the outdoor space beautifully. Amelia Walk is known for its resort-style amenities, including pickleball and tennis courts, a zero-entry pool, clubhouse, and full fitness center. All of this is just minutes from Amelia Island beaches, top-rated golf, and the charm of downtown Fernandina Beach dining and shopping. Motivated sellers make this an exceptional opportunity--bring your offer and let's create a win-win.