STUNNING corner-lot executive home featuring a summer kitchen, firepit, and outdoor paradise - this home checks (and surpasses) EVERY box! Welcome to this stunning 2018 home in sought after Bartram Creek. Perfectly positioned just minutes from State Road 9-B and I-95 for an easy commute (15 minutes to most areas of the Southside and only 20 minutes to the beach), and a short stroll to the vibrant brand new Durbin Pavilion Town Center for shopping, dining, movies, and entertainment. Every inch of this property has been impeccably upgraded creating a coveted home that feels refined, spacious, and perfect to entertain. Step inside to a bright, open-concept main floor featuring luxury vinyl plank flooring throughout, a dedicated office space with double french doors, formal dining room, custom-designed great room complete with built-ins, shiplap focal wall, a sleek built-in electric fireplace, and surround sound system perfect for a cozy night in. The upgraded chef's kitchen is truly the heart of the home - showcasing quartz counters, custom tile backsplash, oversized center island, stainless steel appliances including double oven, 5-burner cooktop, and a huge walk-in pantry. A separate eat-in breakfast nook overlooks the backyard for easy everyday dining. You'll also love the custom mudroom drop zone with built-ins, cubbies, and storage for functionality, perfectly positioned for daily convenience off your 3 car garage (which comes completely finished with epoxy flooring)! Upstairs, a spacious bonus loft offers endless possibilities - an additional living room, play room, home gym, or media space. The oversized primary suite is a peaceful retreat, featuring large his and hers closets, ensuite bath with garden tub, separate walk-in shower, and double vanity with quartz counters. Three additional bedrooms (each with walk-in closets), two more full bathrooms, and an oversized laundry room with extra storage space complete the second floor, offering comfort and flexibility - and the perfect end of day retreat! Outside, this corner-lot home truly shines, starting with the fully equipped permanent outdoor lighting system. The front yard also features an upgraded elevation featuring stone accents, charming front porch, and, of course, your 3-car garage with epoxy flooring. The backyard comes prewired for a pool (see pool diagrams in photos). The expansive pavered lanai is an entertainer's dream, boasting a full summer kitchen with oversized granite counter with seating space for 8, sink, refrigerator, propane grill, cooktop, Big Green Egg, beer taps with built-in kegerator, drawer space, and more. A TV mount with surround sound speakers creates the perfect setup for game days and gatherings. Enjoy evenings around your pavered firepit, relax on the backyard swing, and take in tranquil pond views beyond a manicured hedge for privacy. A utility shed provides additional storage for tools and yard equipment. The large open, waterfront field with fountain view behind your home is maintained by the HOA and fully accessible for your recreation needs. Zoned for top-rated schools and nestled in a community that offers a resort-style zero-entry pool, splash pad, playground, putting green, clubhouse, and year-round activities - all with LOW HOA fees and NO CDD fees - this home truly has it all! Homes like this are rare - call today for more information or to set up your private showing.
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.
