Welcome to 8123 Settlers Landing Trail N — where major updates are already done and the opportunity is undeniable. This 3 bedroom, 2 bathroom home sits on a spacious .32-acre fully fenced lot tucked away on a quiet dead-end street, surrounded by mature landscaping and towering pines that create both privacy and charm. With big-ticket items already replaced, this is the kind of deal buyers wait for. The roof was replaced in November 2025, all windows plus the front door and sliding glass door were replaced in August 2025, the AC was updated in 2023, and the hot water heater was replaced in 2024 — giving you peace of mind for years to come. Inside, you’ll find ceramic tile flooring throughout the entire home — no carpet anywhere. The vaulted ceiling in the living room creates an open, airy feel, while ceiling fans in every bedroom and the living room add year-round comfort. The split-bedroom layout offers privacy, with a generously sized primary suite featuring its own bath and ample closet space. Two additional bedrooms and a second full bathroom are positioned on the opposite side of the home. The kitchen offers plenty of cabinet storage and counter space, and all appliances stay — making this truly move-in ready. The dining area flows seamlessly into the living room, and the sliding glass doors lead directly to your oversized backyard. And the backyard? That’s where the real potential shines. With .32 acres fully fenced, you have room for a pool, garden, play area, or whatever your vision may be. There’s space to truly create your own outdoor oasis. Low yearly HOA fees add to the affordability, while the quiet dead-end location offers reduced traffic and added privacy. With major systems already updated, a large lot, no carpet, and a functional layout, this home offers incredible value in today’s market. If you’ve been looking for space, updates, and opportunity — this is it. This home offers the perfect balance of privacy and convenience. Just minutes from major shopping and dining along Blanding Blvd and Argyle Forest Blvd, you’ll have easy access to Oakleaf Town Center, Publix, Winn-Dixie, Aldi, Walmart Supercenter, Costco, and countless restaurants — making everyday errands simple and quick. NAS Jacksonville is approximately 10–15 minutes away, downtown Jacksonville is about 20–25 minutes, and Jacksonville International Airport is roughly 30–35 minutes for easy travel access. Quick connectivity to I-295 also makes commuting across the city a breeze. When it’s time to relax, you’re only about 40–45 minutes from the Atlantic beaches, including Jacksonville Beach, Atlantic Beach, and Neptune Beach. And for weekend adventures, Orlando’s world-renowned attractions like Walt Disney World and Universal Orlando Resort are approximately 2.5–3 hours away — close enough for a getaway, yet far enough to avoid the tourist traffic. This location truly delivers convenience, accessibility, and lifestyle all in one.
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.
