This Toll Brothers home in Coastal Oaks has the WOW factor! Nearly 4,800 square feet of living space with extensive custom upgrades inside and out. The Westbrook floor plan offers 5 bedrooms, 4 bathrooms and a 3-car garage with the primary suite and an additional bedroom downstairs. Inside, the craftsmanship is immediately evident. High end wood & tile flooring, custom tongue-and-groove tray ceilings, designer paint finishes, and architectural ceiling details with integrated lighting and speakers create visual interest in every room. Wall treatments like custom wainscoting, picture-frame molding, shiplap accents, and designer paneling--delivering a refined coastal aesthetic throughout. There are no builder-grade finishes here--only a fully upgraded custom woodwork package with curated millwork! A stunning, custom-crafted fireplace surround with built-in cabinetry serves as a focal point in the main living space, professionally designed and hand-built on site with bespoke detailing and integrated shelving. The gourmet kitchen is a true showpiece, featuring top-tier Wolf appliances, a Sub-Zero refrigerator, gas range, pot filler, and an expanded layout thanks to a 6-foot builder bump-out that enhances both the kitchen, sunroom and dinette areas. Custom cabinetry extends to the ceiling, while a fully upgraded walk-in pantry offers built-in organization designed for both everyday living and entertaining. The main living areas flow effortlessly into an enhanced indoor-outdoor experience, where a resort-style backyard awaits. The screened pool enclosure features oversized 24" x 24" porcelain pavers for a sleek, low-maintenance finish. A custom-designed pool showcases striking fire bowls, cascading water features, and programmable color-changing lighting, creating a dramatic evening ambiance. The outdoor kitchen is IMPRESSIVE, complete with premium built-in appliances, expansive prep space, and dual mounted televisions--ideal for year-round entertaining. Upstairs are three spacious bedrooms and an expansive 280-square-foot outdoor living area on the balcony that extends the home's entertaining potential. Pre-wired for television and pre-plumbed for a future bar, sink, or bathroom, this flexible space offers endless customization possibilities. Beyond the pool, the expansive backyard overlooks tranquil water views and is further enhanced by a rare, custom-designed sandy beach area--offering a truly unique, resort-style setting. Professionally installed FX Luminaire landscape lighting, featuring 90 lights and a transferable warranty, illuminates both the front and rear of the property, while additional fire and lighting features elevate the outdoor atmosphere. Premium paver hardscaping begins at the driveway and continues in a seamless 360-degree pathway around the home, providing elegant, mud-free access to all entry points. Custom Tremron planters and thoughtfully curated landscaping further enhance curb appeal. Discreet, custom-built exterior enclosures on both sides of the home conceal storage for trash receptacles and pool equipment, maintaining a clean and polished exterior. Additional interior upgrades include: -Plantation shutters throughout, custom closet systems with built-in organization, -an upgraded laundry room featuring custom cabinetry, an apron-front sink, and designer finishes, -a designer lighting control system with custom laser-engraved switches provides intuitive, room-by-room functionality with a clean, cohesive aesthetic, -a state-of-the-art Control4 smart home automation system, representing a significant investment and providing seamless control of lighting, audio, climate, and more, -a professionally integrated whole-home audio system with in-ceiling speakers extends throughout the interior and outdoor living areas, complemented by a dedicated surround sound experience for premium entertainment. The garage is equally impressive, featuring a professionally designed system with full-height custom cabinetry, integrated work surfaces, overhead storage, slatwall organization, and ceiling-mounted bike storage--creating a highly functional and visually refined space. Professionally wall-mounted televisions throughout the main living areas are included, allowing for a truly move-in-ready experience. This is a RARE opportunity to own a highly customized, extensively upgraded house in one of Nocatee's premier gated communities. With unmatched attention to detail, luxury finishes, and resort-style outdoor living, this Coastal Oaks home offers the perfect blend of sophistication and everyday livability. Schedule your showing today!
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.
