40 VICEROY Court Affordable Shearwater townhome with ASSUMABLE 3.25% loan! Immaculately maintained by original owner and lightly lived in, this low-maintenance home shows pride of ownership throughout. The main level features a well-appointed kitchen, spacious living and dining area, and a convenient powder bath. Sliding glass doors lead to a covered porch and extended backyard, perfect for relaxing or entertaining. Upstairs offers a generous primary bedroom, large laundry room, and second bedroom--both with walk-in closets for ample storage. HVAC air handler includes a UV light system for mold prevention and improved air quality. Located in sought-after Shearwater with resort-style amenities including pools, lazy river, fitness center, tennis courts, playgrounds, kayak launch, and 15+ miles of trails. Easy access to I-95, Durbin Pavilion, WGV, and St. Augustine. No seller or creative financing. Use preferred lender for appraisal credit. NO SELLER FINANCING OR CREATIVE FINANCING OFFERS