If you've outgrown your house, we've got you covered! This incredibly spacious and well-maintained home offers 5 bedrooms and 3 full bathrooms, formal living and dining, a massive bonus room with unlimited possibilities, and a fully fenced backyard with screened porch, summer kitchen, firepit, and plenty of room for making year-round memories with those you love most. Add in A-rated St Johns County schools, a deep sense of community, and the resort-style amenities of Heritage Landing, and this quickly feels like more than a home - it's a lifestyle you've worked hard to provide. Tucked onto a quiet cul-de-sac, you'll feel at home before you even step through the door. Once inside, you'll appreciate the thoughtful layout designed for both everyday living and entertaining. The updates are easy to find - LVP and tile flooring throughout, fresh neutral paint, two new HVAC units, an updated primary bath with luxury spa vibes, and a new screen cage extending the covered back porch. The first floor offers multiple spaces to gather, including the formal living and dining rooms, spacious family room, and an eat-in kitchen that serves as the heart of the home. The kitchen features custom cabinetry providing ample storage, multiple drawer stacks, tile backsplash, granite countertops with an abundance of workspace, a center island with breakfast bar, a walk-in pantry, and is open to the breakfast nook and family room, creating a natural flow for entertaining and everyday life. A spacious bedroom, full bathroom, and massive laundry room with utility sink and cabinets with countertop complete the first floor. Upstairs, you'll find four generously sized bedrooms, including a truly impressive primary suite that feels like a private retreat, offering incredible space, accent wall, a personalized comfort zone with individual thermostat, and an elegant, freshly renovated ensuite bath with massive walk-in shower, double shower heads, double vanity sinks, separate water closet, and large walk-in closet. One of the standout features of this home is the expansive second-floor bonus room. Whether you envision a media room, game room, home gym, office, playroom, or a combination of all five, this flexible space can easily adapt to your lifestyle. A third full bathroom and large utility closet with storage complete the second floor. Step outside and discover a backyard designed to be enjoyed year-round. The screened lanai features an outdoor summer kitchen complete with a grill, mini refrigerator, and ice storage - perfect for weekend barbecues and entertaining guests. Beyond the lanai, the fully fenced backyard offers mature landscaping, a fragrant jasmine vine, a fire pit gathering area, space for a future herb or vegetable garden, and plenty of shade. Bird lovers will especially appreciate the variety of local birds that regularly visit this peaceful outdoor setting. Living in Heritage Landing means enjoying a lifestyle that extends far beyond your front door. Residents have access to resort-style amenities including expansive pools with lap lanes and waterslides, tennis and pickleball courts, a fitness center, sports fields, walking trails, community events, food truck nights, youth sports leagues, and multiple event spaces available for larger gatherings and celebrations. If you've been searching for a home that offers exceptional space, flexible living, incredible outdoor entertaining opportunities, and access to one of St. Johns County's most vibrant communities, 425 Fort Drum Court is ready to welcome you home.
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.
