WELCOME HOME to the modern farmhouse property you've been waiting for in Macclenny, FL. This beautifully maintained two-story farmhouse on 5.64 acres offers a rare combination of land, functionality, and modern updates. Zoned Agricultural and situated on high and dry acreage, this property provides flexible use potential and a thoughtfully designed layout that is truly move-in ready. The fully fenced property features three fenced pastures, making it ideal for a variety of outdoor and agricultural uses. A manicured front yard and an almost entirely wraparound front porch create standout curb appeal and lead into a grand entryway that sets the tone for the home's inviting interior. Inside, the home offers four bedrooms, or three bedrooms plus a dedicated home office, along with a spacious bonus room over the garage—perfect for a media room, flex space, or hobby area. Durable LVT flooring flows throughout the main living areas, while a double-sided fireplace adds warmth and architectural interest. The fully updated kitchen is designed for both everyday living and entertaining. The primary suite provides a private retreat, featuring a spa-inspired bathroom ideal for relaxing at the end of the day. Outdoors, the property is equipped with a four-stall barn, chicken coop, and expansive open land suitable for horses, livestock, and agricultural use. With no flood zone and no wetlands, the entire property is usable and easy to maintain. If you're searching for a farmhouse for sale in Macclenny, FL, acreage homes in Baker County, FL, or a modern farmhouse on agricultural land in Northeast Florida, this exceptional property offers space, versatility, and comfort in a highly desirable rural setting. Upgrades & Updates Include: *Kitchen renovated in Sept 2025 *Roof 4 years old *2 water heaters both 2019 *2 HVACs: 1 yr old & 2 yrs old *Bonus room above garage is an ADDITIONAL 260 sq ft *Newly renovated primary bathroom, dual vanities, tub, & shower *Laundry room includes sink & cabinets *ALL appliances convey except for deep freezers & mini fridge in dining room *10 ft ceilings in all downstairs of home *Double-sided, gas fireplace *Water heaters are gas & stove can be easily converted to gas *Primary suite includes an extremely large walk in closet *TONS of storage throughout home - all closets are oversized *Primary suite one bedroom (or office) & half bath located downstairs. 2 large bedrooms & full bathroom located upstairs. Bonus room is upstairs above garage. *3 ceiling fans on back porch *Great natural light throughout the home *Pump 2 years old *Water softener *24x60 barn with 4 stalls & 12x24 tack-room with AC, sink, & refrigerator. Includes 10 fans & excellent lighting. *Chicken coop *Stocked fish pond *Septic has newer pump & alarm system *Kitchen counter top is Illusion Blue True Quartzite *Appliances brands & ages: Washer and Dryer - Maytag 2021, Refrigerator - LG 2018, Stove - Whirlpool 2021, Dishwasher - Maytag 2019, Microwave - 2022 *Upgraded ceiling fans, all new toilets, & all new light fixtures for energy efficiency *Exterior bulbs are all energy efficient LEDs *All flooring new as of 10/2024 (tile and LVT were done after kitchen remodel) *Electric bill average: 2024 - $202.75 monthly & 2025 - $203.50 monthly
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.
