105 Prince Albert Ave, Saint Johns, FL 32259
4 beds · 3 baths · 2,492 sqft
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."
Source: REALMLS #2047589
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2047589
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #2047589
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 © 2024 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.