310 Chinquapin Dr, Saint Marys, GA 31558
4 beds · 2 baths · 2,183 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 310 Chinquapin Drive, where designer style meets serene living in the gated and amenity-rich Osprey Cove community of St. Marys, Georgia. This move-in ready home combines thoughtful updates, high-end finishes, and an unbeatable location for everyday comfort and relaxed coastal living. Step inside to a bright, open layout filled with natural light, wide plank flooring, and modern touches throughout. The spacious kitchen is a showstopper, featuring an oversized island with seating, quartz countertops, custom herringbone tile backsplash, white shaker cabinetry, stainless appliances, a brand-new refrigerator, and a gas range. Adjacent to the kitchen, a custom-built coffee and wine bar with butcher block counters, floating shelves, and a wine fridge brings luxury and convenience to daily routines and entertaining alike. The main living space flows seamlessly to the covered patio, where peaceful pond views create a perfect backdrop for quiet mornings or gatherings with family and friends. The primary suite offers a true retreat, complete with a tray ceiling, board and batten accent wall, and generous space for relaxing. The ensuite bathroom is spa-inspired, showcasing dual vanities with framed mirrors, stylish lighting, an oversized tiled shower with glass enclosure, and a soaking tub for unwinding at the end of the day. Additional highlights of the home include a beautifully remodeled laundry and mudroom area with custom cabinetry and shelving, an oversized garage currently set up as a versatile home gym and workshop, and upgraded lighting, fans, hardware, and window treatments throughout. The fenced backyard offers both privacy and tranquility with peaceful pond views, while the screened patio invites year-round outdoor enjoyment. Beyond the home, Osprey Cove offers an exceptional lifestyle with resort-style amenities. Residents enjoy access to a junior Olympic swimming pool, fitness center, tennis and pickleball courts, private boat launch, scenic walking trails, and playgrounds. Optional golf memberships are also available for those who desire the complete club experience. All of this is located just minutes from Kings Bay Naval Base and I-95, offering quick access to Jacksonville, Brunswick, and nearby shopping, dining, and beaches. A complimentary 2-10 Home Warranty is included during the listing period for added peace of mind. 310 Chinquapin Drive offers the perfect blend of style, thoughtful upgrades, privacy, and community. Schedule your private tour today and discover the unmatched lifestyle waiting for you in Osprey Cove.
Source: GAMLS #10517607
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: GAMLS #10517607
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.