1828 AMBERLY Drive, Middleburg, FL 32068

Price recently reduced! Welcome to 1828 Amberly Drive—a stunning 4BR/3BA + loft home with pond views in the desirable Greyhawk community at Oakleaf. Built in 2022, this two-story home offers a first-floor guest suite with full bath, an open-concept kitchen with quartz countertops, gas range, and stainless steel appliances. Additional upgrades include a tankless water heater, water softener, and high-efficiency systems. Upstairs, you'll find a spacious loft, laundry room, and a luxurious primary suite with a custom walk-in closet. Enjoy peaceful water views from the backyard in this all-gas community with no CDD fees and a low HOA. Zoned for top-rated Discovery Oaks Elementary, Oakleaf Junior High, and Oakleaf High. Conveniently located near Oakleaf Town Center, Chuze Fitness, restaurants, and NAS JAX. Why wait to build when you can move into this like-new home today? Schedule your showing before it's gone! Incredible Opportunity - Assumable 3.87% Interest Rate | Motivated Sellers | Price Negotiable! This is more than just a beautiful homethis is your chance to lock in substantial long-term savings in a high-rate market. 1828 Amberly Drive, located in the sought-after Greyhawk at Oakleaf community, is being offered with an assumable VA loan at just 3.87%. The current monthly payment is just over $3,000, making this home dramatically more affordable than similarly priced homes with today's average interest rates. With a current mortgage balance around $417,000 and a list price of $440,000, the sellers are extremely motivated and open to negotiation. Whether you're a qualified VA buyer or a non-VA buyer working with a lender to bridge the gap, this is an outstanding opportunity to buy a nearly new home with a built-in financing advantage that could save you hundreds per month. Built in 2022, this 4-bedroom, 3-bathroom + loft home offers modern design, energy-efficient features, and a flexible layout perfect for today's buyers. The main level features a full guest suite with private bathroom, ideal for guests, extended family, or multi-generational living. The open-concept kitchen includes quartz countertops, a gas range, upgraded cabinetry, stainless steel appliances, and a large island that flows directly into the main living and dining space. Upstairs, a generously sized loft provides the perfect second living area, media space, or home office. The primary suite includes a tray ceiling, a custom walk-in closet, and an en-suite bath with dual sinks and a glass-enclosed shower. Two additional bedrooms, a shared full bath, and a convenient upstairs laundry room complete the upper level. Not only does this home deliver inside, it shines outside as well. The peaceful backyard offers serene pond views, providing the perfect setting for a future fire pit or screened lanai by converting the oversized covered patio! Whether you're relaxing solo or entertaining guests, this outdoor space is your blank canvas for customization. Additional features include: Tankless gas water heater Whole-house water softener Smart thermostat & wiring panel Two-car garage with storage options Upgraded lighting and finishes throughout Located in the Greyhawk community, you'll enjoy a tranquil setting with sidewalks, playgrounds, and community green space, all within a low-HOA, no CDD fee environment. =Í Zoned for top-rated Clay County Schools: Discovery Oaks Elementary (A-rated) Oakleaf Junior High Oakleaf High School =Í Conveniently located near: Oakleaf Town Center (Publix, Target, dining, shopping) Chuze Fitness, Home Depot, Starbucks, and more NAS Jacksonville, I-295, Blanding Blvd, and Branan Field Rd =¬ If your buyer is looking for a turnkey home with modern upgrades, strong schools, and a way to beat today's interest rates, this is the one. The assumable 3.87% loan is available to qualified buyers and could offer immediate and lasting payment relief compared to current loan terms. Don't miss this rare chance to own a move-in-ready home with built-in savings and seller flexibility. Showings available by appointment or during scheduled open houses. Contact the listing agent to discuss assumption qualifications, offer terms, or to request a showing.