5315 Colonial Avenue, Jacksonville, FL 32210
Local realty services provided by:Gulf Shores Realty ERA Powered
Listed by: wendy swan
Office: keller williams gainesville realty partners
MLS#:GC540593
Source:MFRMLS
Price summary
- Price:$235,000
- Price per sq. ft.:$146.6
About this home
ASSUMABLE FHA LOAN AT JUST OVER 3% + SELLER FINANCING AVAILABLE. This Jacksonville home offers a creative financing opportunity that can be hard to find in today’s market. Qualified buyers may be able to assume the seller’s existing FHA mortgage with an approximate balance of $128,000 at just over 3% interest, and the seller will consider financing the remaining balance with a second mortgage at 6% over 15 years. For buyers trying to lower their monthly payment, avoid today’s higher traditional mortgage rates, or find a more flexible path to homeownership, this structure may create a major advantage.
Built in 2018, this 3-bedroom, 2-bath home is clean, modern, and move-in ready. Inside, you’ll find luxury vinyl plank flooring throughout, fresh interior paint, an open-concept living and dining layout, and a spacious primary suite. The home also features Hardie Plank siding, fresh garage paint, a true two-car garage, and a security system for added peace of mind.
Even better, there is NO HOA, giving buyers more flexibility without added monthly association fees. Conveniently located near I-10, NAS Jax, Downtown Jacksonville, shopping, dining, and major commuter routes, this home checks the boxes for first-time buyers, military buyers, FHA-qualified buyers, and anyone looking for a smarter way to buy in today’s market.
Modern construction, no HOA, a two-car garage, and a rare assumable loan plus seller-financing option — this is more than a home. It is a financing opportunity worth looking at closely....
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Home facts
- Year built:2018
- Listing ID #:GC540593
- Added:45 day(s) ago
- Updated:July 08, 2026 at 01:18 PM
Rooms and interior
- Bedrooms:3
- Total bathrooms:2
- Full bathrooms:2
- Flooring:Luxury Vinyl
- Dining Description:Eat In Kitchen
- Kitchen Description:Dishwasher, Eat-in Kitchen, Microwave, Range
- Living area:1,196 sq. ft.
Heating and cooling
- Cooling:Central Air
- Heating:Central, Electric
- Central air:Yes
Structure and exterior
- Roof:Shingle
- Year built:2018
- Building area:1,196 sq. ft.
- Lot area:0.16 Acres
- Architectural Style:Craftsman
- Construction Materials:Hardi Plank Type
- Exterior Features:Front Porch, Private Mailbox
- Foundation Description:Slab
- Levels:1 Story
Utilities
- Water:Public, Water Connected
- Sewer:Aerobic Septic
Finances and disclosures
- Price:$235,000
- Price per sq. ft.:$146.6
- Tax amount:$4,201 (2025)
Features and amenities
- Appliances:Dishwasher, Microwave, Range
- Laundry features:Inside, Laundry Room
- Amenities:Eat-in Kitchen, Open Floorplan
- Pool features:Public Pool
Parking
- Parking description:Attached Garage
- Garage:Yes
- Garage spaces:2
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