Renovated Cabin Style Home | Pool, Workshop, RV Parking, No HOA | Green Cove Springs Space. Privacy. Freedom. In Clay County, that combination is everything and this property delivers all three. Nestled on over an acre in the heart of Green Cove Springs, this beautifully renovated 3 bedroom, 2 bathroom cabin style home is the kind of property families search for and rarely find. No HOA. Room to breathe. A backyard built for living. And a location that keeps you connected to everything Northeast Florida has to offer without sacrificing an inch of the peace and quiet you moved here for. Step inside and the character greets you immediately. Soaring vaulted ceilings draw your eye upward while rich wood accents wrap the space in warmth and texture. The open concept layout flows naturally from the living room through the dining area and into the updated kitchen, creating a home that lives as beautifully as it looks. Natural light pours in throughout, keeping every corner of this space bright, inviting, and full of energy. A downstairs bedroom adds flexibility for guests, multigenerational living, or a dedicated home office, paired with a fully remodeled bathroom and generous closet space that makes everyday life feel effortless. Outside is where this property truly separates itself from everything else in the Clay County market. A sparkling pool anchors your backyard as the ultimate gathering space for family weekends, summer afternoons, and everything in between. The workshop gives hobbyists, contractors, and makers a dedicated space to build, create, and store without compromise. RV and boat parking means your toys have a home too, no storage fees, no restrictions, no one telling you what to do with your own land. For families searching for no HOA homes in Clay County, acreage properties in Green Cove Springs, pool homes with workshops, or RV friendly properties in Northeast Florida, this address checks every single box. Green Cove Springs continues to attract buyers who want the lifestyle of rural Florida with the convenience of proximity to Fleming Island, Orange Park, and the greater Jacksonville market. Top rated Clay County schools, growing local amenities, and a strong sense of community make this one of the most desirable places to plant roots on the First Coast. This is not just a home. This is the space your family has been waiting for.
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.
