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.
Pending
$235,000
5315 COLONIAL AVENUE, JACKSONVILLE, FL 32210
3beds
1,196sqft
Single Family Residence
Built in 2018
6,868 Square Feet Lot
$229,100 Zestimate®
$196/sqft
$-- HOA
What's special
True two-car garageFresh garage paintFresh interior paintHardie plank sidingSpacious primary suite
- 171 days
- 57
- 2
Zillow last checked:
Listing updated:
Listed by:
Wendy Swan 352-225-1615,
KELLER WILLIAMS GAINESVILLE REALTY PARTNERS 352-240-0600
Source: Stellar MLS,MLS#: GC540593
Originating MLS: Orlando Regional
Originating MLS: Orlando Regional
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Built-in Closet
- Level: First
Kitchen
- Level: First
Living room
- Level: First
Heating
- Central, Electric
Cooling
- Central Air
Appliances
- Included: Dishwasher, Microwave, Range
- Laundry: Inside, Laundry Room
Features
- Eating Space In Kitchen, Open Floorplan
- Flooring: Luxury Vinyl
- Doors: Sliding Doors
- Has fireplace: No
Interior area
- Total structure area: 1,603
- Total interior livable area: 1,196 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage - Attached
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: Private Mailbox, Private Yard
Lot
- Size: 6,868 Square Feet
- Residential vegetation: Mature Landscaping
Details
- Parcel number: 0940230000
- Zoning: RLD-60
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Craftsman
- Property subtype: Single Family Residence
Materials
- HardiPlank Type
- Foundation: Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 2018
Utilities & green energy
- Sewer: Aerobic Septic
- Water: Public
- Utilities for property: Electricity Connected, Water Connected
Community & HOA
Community
- Pet fee: $0 monthly
- Subdivision: LAKE SIDE PARK
HOA
- Has HOA: No
Location
- Region: Jacksonville
Financial & listing details
- Price per square foot: $196/sqft
- Tax assessed value: $215,158
- Annual tax amount: $4,201
- Date on market: 5/24/2026
- Cumulative days on market: 386 days
- Listing terms: Assumable,Cash,Conventional,FHA,Other,Owner May Carry,Private Financing Available,USDA Loan,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$229,100
$218,000 - $241,000
$1,685/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/23/2026 | Pending sale | $235,000$196/sqft |
Source:  Stellar MLS #GC540593 Report a problem | ||
| 7/2/2026 | Price change | $235,000-4%$196/sqft |
Source: Stellar MLS #GC540593 Report a problem | ||
| 5/25/2026 | Listed for sale | $244,9000%$205/sqft |
Source: Stellar MLS #GC540593 Report a problem | ||
| 5/21/2026 | Listing removed | $245,000$205/sqft |
Source: Stellar MLS #GC532988 Report a problem | ||
| 4/1/2026 | Listed for sale | $245,000-2%$205/sqft |
Source: Stellar MLS #GC532988 Report a problem | ||
| 8/3/2025 | Listed for sale | $249,900+25%$209/sqft |
Source: Stellar MLS #GC532988 Report a problem | ||
| 9/29/2020 | Listing removed | $199,900$167/sqft |
Source: FLORIDA HOMES REALTY & MORTGAGE LLC #1069400 Report a problem | ||
| 9/11/2020 | Price change | $199,900-2.5%$167/sqft |
Source: FLORIDA HOMES REALTY & MORTGAGE LLC #1069400 Report a problem | ||
| 8/21/2020 | Listed for sale | $205,000+141.9%$171/sqft |
Source: FLORIDA HOMES REALTY & MORTGAGE LLC #1069400 Report a problem | ||
| 12/27/2018 | Sold | $84,750+332.2%$71/sqft |
Source: Public Record Report a problem | ||
| 5/23/2017 | Sold | $19,607$16/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,201 +1883.6% | $215,158 +33.9% |
| 2024 | $212 | $160,721 +3% |
| 2023 | $212 | $156,040 +3% |
| 2022 | $212 | $151,496 +3% |
| 2021 | $212 -92.2% | $147,084 +3.1% |
| 2020 | $2,723 -1.1% | $142,644 +0.3% |
| 2019 | $2,753 +864.5% | $142,268 +798.2% |
| 2018 | $285 | $15,840 +10% |
| 2017 | $285 +25% | $14,400 +25% |
| 2016 | $228 | $11,520 -11.1% |
| 2015 | -- | $12,960 +50% |
| 2014 | -- | $8,640 |
| 2013 | -- | $8,640 -57.1% |
| 2012 | -- | $20,160 -22.2% |
| 2011 | -- | $25,920 -28% |
| 2010 | -- | $36,000 -50.6% |
| 2009 | -- | $72,900 +86.9% |
| 2006 | -- | $38,998 +3% |
| 2005 | -- | $37,862 +3% |
| 2004 | -- | $36,759 +1.9% |
| 2003 | -- | $36,074 +2.4% |
| 2002 | -- | $35,229 +1.6% |
| 2001 | -- | $34,674 +3% |
| 2000 | -- | $33,664 +2.7% |
| 1999 | -- | $32,779 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: Lakeshore
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