Ad #7775417
MLS #GC540593
ASSUMABLE FHA LOAN AT JUST OVER 3% + SELLER FINANCING AVAILABLE
5315 COLONIAL AVE, Jacksonville, FL 32210
$244,900
3Beds
2Baths
1,196Sqft
0.16Acres
About this property
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.
Property Features
3 Beds
2 Baths
1,196 Sqft
Built in 2018
0.16 Acres
Garage, Garage - Attached
Siding: HardiPlank Type
Shingle Roof
Central, Electric (Heating)
$4,201 / yr property tax
Duval County
LAKE SIDE PARK Community
Additional Photos
Contact Information
Wendy Swan
Keller Williams Gainesville Realty Partners
352-225-1615
Location
Listing Agent: Wendy Swan (License #: 3485405) 352-225-1615
Broker: Keller Williams Gainesville Realty Partners 352-240-0600 Listing Site
Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Keller Williams Gainesville Realty Partners 352-240-0600 Listing Site
Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
BeachHouse.com
Printed Aug 12, 2026
Photo Gallery
$244,900
3
Beds
2
Baths
1,196
Sqft
5315 COLONIAL AVE, Jacksonville, FL 32210
By contacting this agent you agree to these Terms and Conditions.
MLS# GC540593
ASSUMABLE FHA LOAN AT JUST OVER 3% + SELLER FINANCING AVAILABLE
$244,900
5315 COLONIAL AVE, Jacksonville, FL 32210
3
Beds
2
Baths
1,196
Sqft
0.16
Acres
$244,900
5315 COLONIAL AVE, Jacksonville, FL 32210
3 Beds
2 Baths
1,196 Sqft
0.16 Acres
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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Property Details
HOME DETAILS
3 Beds
2 Baths
1,196 Sqft
Built in 2018
0.16 Acres
EXTERIOR
Garage, Garage - Attached
Siding: HardiPlank Type
Shingle Roof
INTERIOR
Central, Electric (Heating)
FINANCIAL & COMMUNITY
$4,201 / yr property tax
Duval County
LAKE SIDE PARK Community
See More Details
Location
Mortgage Calculator
Ad Statistics
Ad Number
7775417
Viewed
59 times
Listing Status
Active
Added
May 24, 2026
Last Refreshed
Jul 03, 2026 06:17:28 PM
Listing Information
Data Source
Stellar MLS
Source Property ID
GC540593
Listing Agent: Wendy Swan (License #: 3485405) 352-225-1615
Broker: Keller Williams Gainesville Realty Partners 352-240-0600 Listing Site
Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
Broker: Keller Williams Gainesville Realty Partners 352-240-0600 Listing Site
Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.
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