105 PRINCE ALBERT AVE, Saint Johns, FL 32259
Welcome to 105 Prince Albert Avenue, a beautifully designed 4-bedroom, 3-bathroom home located in the sought-after Grandholm Point of Aberdeen, Fruit Cove, FL. This former builder's model home is filled with luxury touches and high-end features, perfect for those who appreciate style and function. Step inside to discover stunning wood accent walls in the living room and tray ceilings with crown molding throughout. The gourmet kitchen is a chef's dream with granite countertops, a spacious island, 42'' espresso cabinets with crown molding, and stainless steel appliances, including double wall ovens and a 5-burner glass cooktop. A large walk-in pantry and recessed lighting complete the space, making it both beautiful and practical. The open-concept layout flows into a large family room with surround sound and built-in speakers, perfect for entertaining. From the casual dining area, French doors lead to a large screened-in patio, offering a peaceful space to enjoy the outdoors. The hardwood floors in the bedrooms and neutral tile throughout the rest of the home add to its sophisticated charm. Each of the bedrooms is designed with comfort in mind, including a spacious primary suite featuring a tray ceiling, crown molding, and an elegant master bath with a garden tub, walk-in shower, and a large vanity with quartz countertops. The second bedroom comes with its own private bathroom, ideal for guests. Additional features include a large laundry room with storage cabinets, Corian countertops, and a built-in utility sink. A two-car garage with an automatic door opener, security alarm system, and irrigation system with a timer add convenience and peace of mind. The community of Aberdeen offers resort-style amenities, including a pool with a water slide, a fitness center, tennis courts, and more, all within walking distance. Located in the highly-rated St. Johns County school district, this home has everything you need for comfortable, upscale living. Don't miss your chance to make this beautiful home yours! The information provided in this listing is the best of the seller's/ Listing agent knowledge and cannot be exclusively relied on by buyer. Buyer must independently verify all information pertaining to the property. "Seller never occupied. Neither the seller or listing agent make any representations as to the accuracy of any information contained herein. Buyer/buyer agent must conduct their own due diligence, verifications, research and inspections and are relying solely on the results thereof."
You may be able to put down less than the total down payment amount of $233,095 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: #2047589
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