*VA Loan Assumption available to 2.5% to a fully qualified Veteran Buyer - substituting their VA entitlement at closing. Private Waterfront Oasis on just under 2 Acres with no HOA - Minutes from Kings Bay! Experience the perfect blend of Southern charm and modern versatility with this unique three-parcel estate. Situated on a large lot, this property offers a rare level of privacy featuring your very own stocked pond teeming with local wildlife. Relax on the expansive wrap-around porch or enjoy morning coffee from the private upper balcony. Inside, the home exudes warmth with a cozy gas-log fireplace and a thoughtful layout: the primary suite and a secondary bedroom are conveniently located on the main floor, with three additional guest rooms upstairs. The Ultimate Flex-Space: Beyond the main home, the property features two carports and a massive two-car garage. This isn't just a garage-it's a blank canvas. With existing water hookups, a bathroom, and laundry connections, this space is primed for a guest house, a home gym, a workshop, or the ultimate "man cave." Located just minutes from Kings Bay Naval Base and an easy drive to the dining of St. Mary's or the Jacksonville International Airport, you're never far from the action while feeling a world away.