100 BELLA HARBOR CT # 114, Palm Coast, FL 32137
Indulge in the epitome of luxury living with this breathtaking penthouse designed to dazzle at every turn. Upon entering the foyer, you'll be greeted by an ambiance of refined elegance that sets the tone for the entire residence. The fully custom kitchen is a chef's dream, featuring dark knotted wood cabinets stretching from floor to ceiling, complemented by the rare and striking Fusion Red Quartzite countertops and backsplash. Complete with a walk-in pantry, slate and stainless steel appliances, and a captivating range hood, this kitchen is not only highly functional but also a stunning centerpiece. The expansive open floor plan boasts soaring 16-foot ceilings, creating a sense of grandeur and spaciousness throughout the home. Adorned with a combination of tile and luxury vinyl planks, the floors exude both sophistication and durability. Four sets of French doors seamlessly connect the indoor and outdoor spaces, leading to an oversized, open-air balcony that offers panoramic views of the sparkling pool below and the tranquil surroundings. Whether you're entertaining guests or enjoying a quiet morning with a cup of coffee as the sun rises, this balcony provides the perfect backdrop for any occasion. Retreat to the lavish master suite, where luxury awaits at every corner. Unwind beside the cozy fireplace or indulge in a leisurely soak in the generously sized tub, creating your own personal oasis of relaxation and comfort. Bella Harbor offers a truly stress-free lifestyle, with all aspects of maintenance meticulously taken care of, from the Spanish tile roof to landscaping and plumbing, ensuring that residents can fully immerse themselves in the pleasures of waterfront living without a worry in the world. Conveniently situated in the heart of Palm Coast, Bella Harbor boasts an enviable location just steps away from the Palm Coast Marina and a short drive from the pristine shores of Hammock and Jungle Hut beach. Additionally, this luxurious condo is zoned for the highest-rated schools in Flagler County, making it an ideal choice for families seeking both luxury and education. Don't miss out on the opportunity to make this piece of paradise your own – schedule a viewing today before it's too late.
You may be able to put down less than the total down payment amount of $90,376 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #fc300198
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.