Seller offering closing cost assistance and/or rate buy-down with acceptable offer. Private wooded preserve lot • Expansive upstairs bonus room (~370 sq ft) with large walk-in closet • 4 bedrooms downstairs • Split-bedroom layout • Bright move-in ready interior on private wooded preserve lot with nearly 3,000 square feet of flexible living space in Aberdeen! Located in the highly sought-after St. Johns County School District, this spacious home offers privacy, versatility, and access to the exceptional amenities of the Aberdeen community. Tucked away on a peaceful preserve homesite, this beautifully designed 4-bedroom, 3-bath residence with a large upstairs bonus room offers the ideal combination of space, comfort, and location that defines the best of St. Johns living. From the moment you enter, the home welcomes you with an open, light-filled layout designed for both everyday living and effortless entertaining. Expansive living areas flow seamlessly into the heart of the home! a spacious kitchen featuring generous counter space, abundant cabinetry, and an oversized island perfect for gathering with family and friends. With nearly 3,000 square feet of thoughtfully designed living space, the home offers exceptional flexibility. Four true bedrooms are conveniently located downstairs, creating a practical and functional layout for everyday living. Upstairs, an expansive bonus room measuring approximately 19'8" × 18'9"(~370 sq ft) features vaulted ceilings and large windows that bring in natural light, creating a bright and open feel. The space also includes a separate walk-in closet/storage room (~65 sq ft), making it ideal for use as a media room, playroom, home office, gym, guest retreat, or potential additional bedroom. Step outside and enjoy one of the home's most desirable features--the private wooded preserve backdrop. This peaceful setting offers rare privacy and natural views that are increasingly hard to find in neighborhood homes. Enjoy quiet mornings with coffee or relaxed evenings outdoors while surrounded by nature instead of neighboring houses. Residents of Aberdeen enjoy exceptional community amenities including resort-style pools, fitness facilities, playgrounds, and scenic walking trails. Just minutes from Durbin Pavilion shopping, dining, and major commuter routes, this home offers the perfect balance of peaceful neighborhood living and convenient access to everything Northeast Florida has to offer. Homes offering this much space, privacy, and flexible living space in Aberdeen rarely become available. Schedule your private 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.
