Welcome to life on one of the coolest cul-de-sacs in Treaty Oaks -- where neighbors gather, block parties happen, and community feels effortless. Tucked away on a quiet street and backing directly to a peaceful preserve, this home offers a rare combination of privacy, space, and connection in the only St. Augustine community that offers a private entrance directly into all the incredible amenities of Treaty Park. Built in 2019, this thoughtfully designed 5-bedroom + office/flex room, 3.5-bath home offers a layout that truly works for the way people live today. The main level is both functional and inviting, featuring a versatile flex room at the front of the home - currently offered as an office but is also a conforming sixth bedroom or guest space if needed. A separate formal dining room provides the perfect setting for hosting holidays and special gatherings, while still maintaining a sense of privacy from the main living areas. At the heart of the home, the open-concept kitchen and living space come together beautifully--designed for connection, comfort, and everyday moments. The kitchen features a large center island, farmhouse sink, and plenty of room to gather, all flowing seamlessly into the living room where a cozy fireplace creates a warm and welcoming focal point. Sliding doors lead directly out to the expansive screened lanai, extending your living space outdoors and making it easy to enjoy everything from quiet mornings to lively evenings with friends and family. The primary suite is conveniently located on the first floor, creating a private retreat with a free-standing soaking tub, walk-in shower, large walk-in closet, and a spacious, comfortable layout overlooking the private backyard. Upstairs, you'll find four additional bedrooms and two full bathrooms, including a bedroom with a private en-suite bath, offering flexibility for guests and literally built for multi-generational living. Step outside to your expansive screened lanai (approx. 40' x 10')--an ideal extension of your living space. Already equipped with a TV mount, it's the perfect setting for morning coffee, evening wind-downs, or weekend gatherings while enjoying uninterrupted preserve views. The fully fenced backyard adds both function, privacy, and peace of mind. Beyond the home, Treaty Oaks offers a lifestyle that's hard to beat, with access to community amenities including a pool, fitness center, playground, and a private gated entrance into Treaty Park, where walking/running trails, pickleball courts, a dog park, skate park, and outdoor recreation are just moments away. With a 2-car garage, easy access to I-95, and a short drive to the beaches and historic downtown St. Augustine, this home brings together location, lifestyle, and livability. This truly is not one to miss - this is the lifestyle upgrade you deserve. Schedule your showing today!
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.
