Welcome to your dream home — a fully renovated waterfront retreat with a private pool oasis. Tucked away at the end of a quiet cul-de-sac, this extraordinary 5-bedroom, 4-bathroom residence spans 2,870 sq. ft. on a serene half-acre lot backing to a peaceful pond. Every inch has been reimagined with high-end finishes, thoughtful design, and energy-efficient upgrades to offer a lifestyle of comfort, beauty, and effortless living. From the moment you arrive, the freshly painted exterior, new landscaping, and elegant lighting set the stage for what's inside. Step through the door and feel immediately at home with luxury vinyl plank flooring throughout, soaring ceilings, modern baseboards, and designer fixtures that blend sleek style with timeless sophistication... The main living area is designed to impress and gather. Expansive windows invite in natural light while framing tranquil views of the pool and pond. A custom-built electric fireplace with shiplap detail and built-in shelving creates a warm focal point, perfect for cozy evenings or entertaining guests. Recessed lighting and a modern ceiling fan elevate the airy, open feel. At the heart of the home lies the stunning chef's kitchen, meticulously designed for both function and flair. Quartz countertops, a marble-look backsplash, and shaker cabinetry with glass fronts bring sophistication, while an oversized island with shiplap detail provides seating, storage, and the perfect spot for gathering. The $10K+ GE Café Collection appliance suite with brushed copper accents adds energy-efficient luxury, and statement pendant lighting completes the space. Seamlessly flowing into the living area and breakfast nook with direct pool access, this kitchen is built for memorable meals and endless entertaining. A bold dining room framed by a large arched window and illuminated by a modern linear pendant offers an elegant space for dinners and celebrations. Nearby, the private office or den with French doors and designer lighting creates a polished, quiet space to work or study. The primary suite is a true sanctuary spacious, serene, and beautifully finished. Tray ceilings and a bay-window sitting nook make it feel open and inviting, while private lanai access allows you to step right into your outdoor retreat. The ensuite bathroom is spa-worthy, featuring a freestanding soaking tub, an oversized glass shower with bench seating, dual vanities with seamless mirrors, modern lighting, and designer copper fixtures. A large walk-in closet with natural light provides space for an enviable wardrobe and custom organization. Four additional bedrooms are thoughtfully laid out across the split floor plan, offering privacy and convenience. A Jack & Jill suite features dual vanities, a shared shower, and abundant storage ideal for family or guests. Each bedroom has recessed outlets for TV installation, making it easy to create clean, stylish spaces. All bathrooms have been fully updated with quartz countertops, new tile, custom mirrors, and modern fixtures, offering a consistent touch of luxury throughout. Step outside to your personal paradise. The screen-enclosed pool is the centerpiece, complete with three cascading waterfalls and surrounded by a freshly resurfaced deck. A brand-new pool pump ensures worry-free enjoyment. Evenings are magical under the covered lanai, complete with ceiling fan and café string lighting. The privacy fence provides seclusion while still allowing you to enjoy stunning open views of the pond. This backyard is designed for everything from peaceful morning coffee to unforgettable pool parties with friends. Want some extra features that make life easy? Sure! We must include the spacious laundry room with cabinetry, sink, and fixtures, the side-entry garage with expanded driveway for ample parking, the energy-efficient updates for lower utility costs and the generous storage solutions throughout the home. Oh! We must not forget that this home is situated in a desirable neighborhood near top-rated schools, parks, and convenient shopping, this home offers not only a stunning interior and outdoor retreat, but also an unbeatable lifestyle. The combination of privacy, luxury, and location makes this property a rare find. Why settle for anything less when you can have it all? This home is more than move-in ready it's a fully reimagined retreat designed for modern living, unforgettable entertaining, and peaceful everyday moments. Schedule your showing today and come see why this is the one you've been waiting for.
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 © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
