Welcome to Holly Oaks--where freedom meets functional design. This well-maintained 4-bedroom, 3-bath split-level home offers the ultimate peace of mind with nearly every major system recently updated, including a brand-new AC (2025), plumbing (2023), energy-efficient windows (2020), and a newer roof (2019). Enjoy the rare find of a spacious, stylish interior with no HOA or CDD fees, giving you total flexibility for your lifestyle and unrestricted parking for your boat or RV. The versatile floor plan features hard surfaces and beautiful hardwood floors throughout, with the lower level offering a private 4th bedroom, full bath, and an additional flex room--ideal for an in-law suite, home gym, or media room. Step outside to a massive, fully fenced backyard with plenty of room for a pool and gardening, all situated in a quiet, established neighborhood with quick access to Atlantic Blvd, Jacksonville's best beaches, and just 15 minutes from Mayport Naval Base.