Welcome to this exceptional MasterCraft-built Sebastian floorplan, perfectly positioned on a private preserve homesite within the highly desirable TrailMark community of St. Johns County. Thoughtfully designed and extensively upgraded, this impressive residence offers the ideal blend of elegance, comfort, functionality, and modern Florida living. From the moment you arrive, the home's curb appeal and attention to detail are immediately evident. Enhanced landscaping, front and rear gutters, and an oversized three-car garage create a polished first impression, while the serene preserve backdrop provides a sense of privacy and tranquility rarely found. Inside, soaring 10-foot ceilings, 9-foot doors, upgraded Craftsman trim, wrapped windows, solid-core interior doors, and beautiful 48-inch plank tile flooring establish a refined yet welcoming atmosphere throughout the home. Designed for both everyday living and effortless entertaining, the open-concept floorplan seamlessly connects the main living spaces while allowing natural light to fill every room. Additional recessed lighting and upgraded ceiling fans throughout the home enhance both comfort and ambiance, creating spaces that feel equally suited for quiet evenings at home or gatherings with family and friends. The kitchen serves as the centerpiece of the home and showcases a collection of premium finishes and thoughtful upgrades. Stunning Cambria quartz countertops, a large center island, stacked 42-inch cabinetry, and a striking full brick backsplash combine timeless design with exceptional functionality. Abundant storage and expansive workspace make meal preparation and entertaining a pleasure, while the oversized island naturally becomes the heart of conversation and connection. Adjacent to the kitchen, a custom pocket office provides a versatile workspace complete with upper and lower cabinetry and matching quartz countertops. Whether utilized as a home office, study area, household command center, or creative space, it offers convenience while remaining connected to the main living areas. The owner's suite is thoughtfully positioned to provide privacy and relaxation. Featuring an elegant tray ceiling and peaceful preserve views, the space offers a true retreat from the day. The luxurious owner's bath has been enhanced with upgraded cabinetry, Cambria quartz countertops, and a beautiful freestanding soaking tub, creating a spa-inspired setting designed for comfort and rejuvenation. Custom closet organizers maximize storage within the spacious walk-in closet, while a convenient pocket door provides direct access to the well-appointed laundry room. The laundry room has been thoughtfully upgraded with upper and lower cabinetry, quartz countertops, and a utility sink, adding both beauty and practicality to daily routines. One of the home's most appealing features is its remarkable flexibility. The original flex room and powder bath have been professionally transformed into a private bedroom suite complete with a large closet and full bath, creating an ideal space for guests, multigenerational living, or a private office. Upstairs, the expansive bonus room has been further enhanced with a full bathroom, large closet, and built-in queen Murphy bed, allowing the space to easily function as a guest retreat, media room, fitness area, playroom, or secondary living space. Throughout the home, every upgrade reflects a commitment to quality and craftsmanship. Upgraded lighting fixtures, ceiling fans in every bedroom, the bonus room, living room, and lanai, additional recessed lighting, custom trim work, solid-core doors, extensive quartz surfaces, and custom storage solutions contribute to the home's elevated character and enduring appeal. Outdoor living is equally impressive. The screened lanai overlooks the peaceful preserve, providing a private setting to relax, entertain, or simply enjoy Florida's year-round outdoor lifestyle. Surrounded by nature, the backyard offers a sense of serenity that enhances everyday living and creates a true extension of the home's interior spaces. The oversized three-car garage provides exceptional flexibility for vehicles, recreational equipment, hobbies, and storage. Added overhead metal storage racks maximize organization while maintaining ample usable space. Additional features include a whole-home water softener system, upgraded Craftsman trim package, wrapped windows throughout, front and rear gutters, screened lanai enclosure, custom closet systems, upgraded cabinetry, enhanced lighting package, and numerous builder and post-construction improvements that distinguish this home from others in the community. Beyond the home itself, TrailMark offers an unparalleled lifestyle centered around recreation, nature, and community. Residents enjoy access to a resort-style amenity center featuring a beach-entry pool, lap pool, fitness lawn, clubhouse, playgrounds, basketball courts, pickleball courts, sand volleyball courts, sports fields, scenic lakes, and miles of walking and biking trails that weave throughout the community's preserved natural landscape. The kayak launch provides direct access to Six Mile Creek, offering opportunities for kayaking, paddleboarding, fishing, and exploring Florida's natural beauty. Community events and gatherings throughout the year foster a welcoming environment where neighbors quickly become friends. Ideally located within St. Johns County, TrailMark offers convenient access to top-rated schools, shopping, dining, healthcare facilities, and major transportation corridors. Historic downtown St. Augustine, area beaches, Jacksonville, and numerous employment centers are all within easy reach, allowing residents to enjoy both a peaceful community setting and outstanding regional connectivity. This exceptional home represents a rare opportunity to own a thoughtfully upgraded residence that seamlessly combines luxury, versatility, privacy, and lifestyle. Meticulously maintained and beautifully appointed throughout, it offers the space, quality, and setting to enjoy for years to come. Experience the very best of TrailMark living and discover why this remarkable property feels so much like home.
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.
