This one doesn't just check the boxes, it's designed to stand out in today's market with the features buyers are actively searching for in Navarre, Florida real estate. Welcome to this beautifully upgraded 4-bedroom, 3-bath home with a 3-car garage in the heart of the Florida Panhandle--offering a highly desirable split floor plan, modern finishes, and indoor-outdoor living that defines the Navarre lifestyle near the Gulf Coast. From the moment you step inside, you're greeted by a versatile flex space--ideal for a home office, remote work setup, or formal living room--plus a dedicated dining area perfect for hosting. The interior has been painted in a coastal, beach-inspired color palette, creating a light, airy feel buyers love in Florida homes for sale. The open-concept layout is exactly what today's buyers are searching for, with the kitchen overlooking the family room-perfect for entertaining and everyday living. This upgraded kitchen features: Granite countertops Stainless steel appliances Glass tile backsplash Large center island with new designer light/fan fixture Pots-and-pans drawers for easy organization Recessed and pendant lighting Oversized walk-in pantry The primary suite offers a true retreat with private access to the covered lanai, ideal for morning coffee or evening relaxation. The spa-like ensuite includes a zero-entry walk-in tile shower, soaking tub with custom tile surround, and a spacious layout designed for comfort. Three additional bedrooms all feature walk-in closets and ceiling fans, while one bathroom functions as a cabana bath with exterior access--a must-have for buyers considering a future pool or outdoor entertaining space. Step outside to your fully fenced, cleared, and irrigated backyard, complete with fruit trees and room to create your dream outdoor oasis. There's even a chicken coop (negotiable) for those wanting a touch of homesteading--fresh eggs right in your own backyard! Additional high-value features include: *3-car garage (ideal for storage, golf cart, or workshop space) *Fabric hurricane shields for storm protection, *Energy-efficient construction package (lower utility costs) *Blinds installed on all functional windows *Transferable Maverick STRUCTURAL warranty for buyer peace of mind * Located in sought-after Navarre, FL, this home offers easy access to Navarre Beach, Hurlburt Field, Eglin AFB, and top-rated schools, making it ideal for military relocation, primary residence buyers, and investors alike. If you've been searching for a move-in-ready home in Navarre with upgrades, space, and outdoor living, this one delivers. Schedule your private showing today and experience why so many buyers are choosing to call Navarre home.
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.
