Welcome to 175 Wild Sage Drive, a stunning pool home located on a large corner lot in the highly sought-after resort-style community of RiverTown. From the moment you arrive, you'll appreciate the extensive upgraded landscaping, enhanced by beautiful low-voltage lighting that creates exceptional curb appeal day and night. This spacious 5-bedroom, 4-bath home offers a thoughtfully designed floor plan with luxury vinyl plank flooring throughout the main living areas and soaring 12 foot ceilings. The oversized 4-car garage, 4th is a tandem bay and provides abundant storage space. The garage also includes custom drop-down storage racks, a Tesla charging station, and a water softener system. The owner's suite is conveniently located on the first floor and serves as a private retreat with a luxurious bath featuring dual vanities, a soaking tub, a large walk-in shower with a rain shower fixture, and a custom-designed walk-in closet. The heart of the home is the chef's kitchen, featuring appliances that are less than a year old, an induction cooktop, double ovens, a large center island, and an oversized walk-in pantry. The spacious family room and dining area are perfect for entertaining and showcase a custom-built electric fireplace and surround sound system. A dedicated office with French doors provides the perfect work-from-home space. A first-floor guest bedroom with an adjacent full bath offers privacy and convenience for visitors. Upstairs, you'll find three additional spacious bedrooms, two full bathrooms, and a versatile loft area that can be used as a media room, playroom, or additional living space. Step outside to your own private backyard paradise. The sparkling salt water chlorinated pool features a peaceful waterfall, sun shelf, and dramatic gas fire bowls. The Tiki hut with summer kitchen creates the ultimate outdoor entertaining space, while the partially fenced side yard is ideal for pets. Relax on the lanai and enjoy breathtaking lake views and some of the most spectacular sunsets RiverTown has to offer. As an added bonus, the home includes fully paid-off solar panels, resulting in an average electric bill of approximately $30 per month. The solar panels also heat the pool. Located just a few houses from the Arbors playground and nature trails, this exceptional home also provides access to RiverTown's world-class amenities, including resort-style pools, lazy river, fitness centers, parks, trails, pickleball courts, riverfront amenities, and a vibrant calendar of community events. Luxury, efficiency, and an unbeatable lifestyle await at 175 Wild Sage Drive.
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.
