Located in the Sterling Ridge community of Intracoastal West, this 4-bedroom, 2-bath home sits near a quiet cul-de-sac with pond views and a fully fenced backyard, just minutes from Atlantic Beach, Naval Station Mayport, St. Johns Town Center, shopping, dining, and major highways. Inside, the split-bedroom floor plan features LVP flooring throughout, vaulted ceilings, and crown molding. The layout includes a living and dining combination, a separate family room with a wood-burning fireplace, and a kitchen with stainless steel appliances, breakfast bar, and eat-in space. French doors from the family room lead to the open patio, ideal for indoor-outdoor living. The primary suite offers natural light and privacy, while the primary bath includes a dual vanity, soaking tub, walk-in shower, and a spacious walk-in closet. Three additional bedrooms are well positioned, with one at the front of the home and two sharing a full bath. Additional highlights include a new roof and hot water heater to be replaced prior to closing, a low annual HOA fee, and a rare assumable VA loan with a 2.625% interest rate through Freedom Mortgage