Tucked away at the end of a peaceful cul-de-sac and set on an oversized, exceptionally private preserve homesite, this beautifully upgraded Palmary Model offers the rare feeling of true serenity. With lush natural views, this home is more than a residence -- it's a private retreat. From the moment you step inside, LVP flooring flows seamlessly throughout the entire home-no carpet-creating a clean, modern foundation. Natural light pours in, enhanced by a screened front entry that allows soft Florida breezes to move effortlessly through the space. Thoughtful upgrades include a built-in drop zone, security system, whole-home speaker system, ceiling fans, and pull-down shades throughout. The flexible front room invites endless possibilities-a quiet home office, creative studio, reading lounge, or guest overflow space. At the heart of the home, the gourmet kitchen blends beauty and function with pendant lighting, Whirlpool appliances, a Samsung Bespoke refrigerator and a custom see more... built in pantry designed for effortless organization. The family room is warm and inviting, centered around a stunning fireplace with mantle and surround sound--perfect for cozy evenings or lively gatherings. Then step outside... and everything changes. Your private outdoor oasis unfolds with peaceful preserve views as the backdrop. The screened lanai opens to a sparkling pool complete with spa jets and color-changing lighting--transforming the space from bright daytime refreshment to evening resort ambiance. Imagine unwinding in the illuminated water at sunset or gathering around the fire pit under the stars, surrounded by nature and total privacy. Outdoor speakers complete this unforgettable setting. The owner's suite is a tranquil escape featuring a spacious bath with soaking tub and separate shower, tile flooring, and an oversized walk-in closet with custom built-ins. Additional highlights include an epoxy-coated garage floor and screened garage door-ideal for enjoying fresh air while maintaining comfort and flexibility. Homes with this level of privacy, preserve views, cul-de-sac positioning, and resort-style outdoor living rarely come available. This is Florida living at its finest-peaceful, private, and beautifully upgraded. Del Webb Nocatee, the newest 55+ community where luxury living meets unparalleled amenities including: resort pools, spa tub, pickle ball (over 300 members), tennis, bocce, billiards, a full service restaurant and bar, ballroom, fitness center, community garden, kayak launch to the intracoastal etc. If that is not enough, you can enjoy all that the community of Nocatee has to offer just a few miles away on golf cart paths, including waterparks, concerts, food trucks, restaurants and shopping.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
