5315 COLONIAL AVENUE, Jacksonville, FL 32210

• 3 beds |
• 2 baths |
• 1,196 sqft

Property Description

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.

Listing Status:

Active

Date Added:

May 24, 2026

Data Last Updated:

June 14, 2026 at 2:21PM

Listing Office:

KELLER WILLIAMS GAINESVILLE REALTY PARTNERS : 352-240-0600

Listing Agent:

Wendy Swan : 352-225-1615

MLS ID:

GC540593

Interior

• General: Eat-in KitchenOpen Floorplan
• Appliances: DishwasherMicrowaveRange
• Laundry: InsideLaundry Room
• Flooring: Luxury Vinyl
• A/C: Central Air
• Heating: CentralElectric

Exterior

• General: Private MailboxPrivate YardSliding Doors
• Style: Craftsman
• Other Structures: Front Porch

Construction

• Roofing: Shingle
• General: HardiPlank TypeOneSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Duval

Lot

• Zoning: RLD-603-11 59-2S-26E LAKESIDE PARK LOT 26 BLK 102094023-0000

Utilities

• Utilities: Electricity ConnectedWater Connected
• Water: Public
• Sewer: Aerobic Septic

Financial

• Source: Stellar MLS
• Ownership: Fee Simple