2296 Valley Rd
Navarre, FL 32566
4 beds · 2 baths · 2,103 sqft
$457,921
Get prequalifiedAbout this home
Discover tranquility in this meticulously maintained, freshly painted, all-brick residence nestled within the desirable Holley By The Sea community and adjacent to a lush wooded area just teeming with birds, flora and fauna. Built in 2010, this inviting home offers a perfect blend of comfort and privacy, ideal for those seeking a peaceful retreat. This home boasts 4 generously sized bedrooms - all with walk in closets - and 2 full bathrooms - both with double vanities, providing ample space for family and guests. A separate office, flex room or 5th bedroom offers the perfect environment for remote work, a quiet study or guests. Solid floors like vinyl plank and tile are throughout the home with the exception of the back bedroom which has new wall to wall carpet. You will be welcomed with a covered front porch with ceiling fan, a bright and airy entry foyer and high ceilings, but your eyes will be drawn to the back yard with its large covered patio, additional trellis covered hot tub and the natural beauty of a lush wooded back yard. There are roses, lemongrass - great to keep the mosquitos away - pear trees, blueberries and blackberries. There is also a large side lawn area with a fire pit and plenty of room for games and pets. Back inside - the kitchen features granite counter tops, tile floors, pantry, breakfast bar, large dining area overlooking the back yard and electric appliances. The main bedroom is HUGE and ensuite bath features cultured marble double vanity, separate shower, garden tub, water closet and walk-in closet. You will love the solid all brick exterior, gutters and hurricane shutters. Enjoy all of the HBTS amenities including the Multi-Million Dollar Rec Center with its pools, parks, tennis, pickleball, fitness center, ballfields, basketball courts, fishing pier, boat launch and waterfront RV Guest Rental Area, and still be close to Military Bases, Shopping, Restaurants and of course the Navarre Beach - voted one of the best in the Country!
Source: PENSACOLA #662757
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
Navarre, FL 32566
4 beds · 2 baths · 2,103 sqft