Assumable FHA loan at 2.5% for qualified buyers! Or up to $10,000 seller credit towards buyer's interest rate buydown with acceptable offer! This move-in ready Ruby model, by Richmond, is only two years young. Boasting a 3-way split floor plan with 4 bedrooms, multiple walk-in closets and 2 spacious bathrooms featuring tall vanities with corian counter tops and rectangle under mount sinks. The kitchen showcases admiral navy cabinets, quartz countertops, a large center island, and a spacious corner pantry. The screened lanai is ideal for hosting summer cookouts overlooking the pond, just beyond the fully fenced backyard. Convenient to nearby shopping, Historic Downtown Fernandina, Amelia Island Beaches, and the Jacksonville Airport Home features over $20K in builder options, including upgraded plumbing fixtures, extra lighting, and 2" window blinds. Front bedroom offers a sizable walk-in closet. The spacious owner's en suite has a water closet, stand up shower with upgraded enclosure, a linen closet, double sinks, a large walk-in closet and separate linen closet. The extra tall 8' doors and upgraded baseboards throughout add a touch of elegance to every room. Enjoy entertaining in the open-concept kitchen, dining and living area. The colossal 4 panel sliding glass door fills the great room with sunlight and offers views of the lanai, fenced backyard and pond. No CDD fee and low, annual HOA fee. Zoned for Fernandina Beach schools. Welcome to your new home!