WELCOME HOME to this stunning 3 story Southern Colonial nestled on 5 beautiful acres in Macclenny, FL, located in the highly sought after Old Nursery Plantation community. If you've been searching for acreage, charm, and functionality all in one, this property delivers. Set on high and dry land with no flood zone and no wetlands, this RCMH 2.5 zoned property offers flexibility and peace of mind. The grounds are thoughtfully laid out with three cross fenced pastures featuring tension wire fencing, 30x60 barn/carport, tack shed, and an RV hookup complete with electric, internet, and phone access. From the moment you arrive, the classic Southern architecture stands out with front and back balconies and timeless curb appeal. Inside, you'll find 10 foot ceilings, triple crown moulding, and gorgeous views from nearly every room, creating a bright and inviting atmosphere throughout. This spacious home features 5 bedrooms and 3.5 bathrooms (or 4 bedrooms w/a loft/office on the 3rd floor) that adds versatility for a variety of uses. The layout includes a formal dining room with wainscoting, a large living area, a mudroom, and two pantries for added convenience. The kitchen is equipped with a gas stove and offers plenty of space for cooking and gathering. The primary suite is exceptionally large and includes a laundry chute and a completely renovated bathroom with a soaking tub, dual vanities, and a beautifully designed walk in shower. Both the primary suite & one bedroom have access to the large back balcony which over looks the pool & pastures for stunning views. Step outside to your private backyard retreat featuring an in ground, heated chlorine pool with spa, all enclosed within a two story birdcage. Whether relaxing or entertaining, this space is designed to be enjoyed year round. Additional features include a 3 car garage with expansive attic storage, and a gutter system connected to French drains for efficient water management. The property also includes an invisible dog fence around the entire 5 acres with 3 working collars that will convey with the sale. This property offers a rare combination of acreage, architectural charm, and modern updates in one of Macclenny's most desirable areas. Schedule your private showing today and experience everything this exceptional property has to offer. Pool lanai is plumbed & ready for outdoor kitchen Pool balcony is plumbed & ready for water/outdoor sink Roof-2016 4 Ton HVAC upstairs-2020 3.5 Ton HVAC downstairs-2017 Well Pump-2016 Main Pool Pump-2016 Water Heater - 2019 Water Softener System - 2023 Basketball Goal with NEW Backglass in driveway Parking pad is the size of a tennis court & there is a permanent net pole by the garage. The net & 2nd pole will convey with home. LAYOUT: 1st Floor - Foyer, 1/2 Bath, Kitchen, Dining Room, Breakfast Nook, Living Room, Mudroom, Laundry, 1 Bedroom with a Dedicated Bathroom, plus Garage/Attic Access, Lanai & Enclosed Pool. 2nd Floor - Primary Bedroom & Primary Bathroom, 2 Additional (Large) Bedrooms with Jack-n-Jill Bathroom, Front & Back Screened-In Balconies 3rd Floor - Loft/5th Bedroom/Office/etc (Has a closet.)
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.
