**THE CDD BOND IS PAID IN FULL** Only operations and maintenance remain! A Huge Savings! Don't miss this stunning Beachwalk POOL home located in the gated estate-size lot community of Seaside. Perfectly positioned on a premium lakefront lot, this home offers breathtaking sunset views enjoyed best from the screened pool and covered lanai, ideal for relaxing or entertaining. From the moment you arrive, you'll be impressed by the expansive paver driveway and three-car garage, offering both curb appeal and functionality. Inside, double entry doors welcome you into a thoughtfully designed floor plan featuring an office/flex room with French doors and a formal dining room that flows seamlessly into the Butler's pantry/coffee bar area. The gourmet kitchen is a true showstopper, complete with double ovens, custom extended cabinetry with glass inserts, and all appliances conveying. The kitchen opens to the spacious family room, highlighted by a built-in gas fireplace with custom cabinets, elevated ceilings with tray detail, and wood accent beam. A sunny breakfast nook overlooks the pool area, filling the space with natural light. This home offers a desirable three-way split bedroom layout. A private in-law suite located just off the kitchen features a large bedroom, full bath that doubles as a pool bath, and direct access to the covered lanai, perfect for guests or multigenerational living. Custom light-filtering shades frame the large sliding doors leading to the outdoor living space. Two additional spacious guest bedrooms share a full bath, while the luxurious primary suite serves as a true retreat with a sitting area, spa-inspired owner's bath featuring a double-sided walk-in shower, garden tub, and three walk-in closets. The laundry room includes built-in cabinetry and a utility sink, with washer and dryer conveying. The oversized three-car garage offers plenty of room for vehicles, storage, and all your toys. Designed for both comfort and entertaining, this home delivers exceptional indoor-outdoor living in a beautiful lakefront setting. Enjoy poolside living, stunning sunsets, and the relaxed coastal lifestyle Beachwalk is known for. Enjoy resort-style living in Beachwalk, an award-winning, golf-cart-friendly community home to Northeast Florida's first 14-acre Crystal Lagoon. Residents can swim, kayak, paddleboard, and sail, or enjoy waterslides, a swim-up restaurant and bar, sand volleyball, and a vibrant, beach-like atmosphere designed for year-round fun and relaxation. The community clubhouse features a state-of-the-art fitness center, yoga studio, TRX and weight training rooms, and a children's activity room. Additional amenities include six Har-Tru tennis courts, a putting green, and a luxurious dog splash park. Ideally located just minutes from shopping, dining, and interstate access, Beachwalk also offers the convenience of Beachside High School right within the community, making it an exceptional choice for families seeking both lifestyle and location.
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.
