123 Meadow Creek Dr, Saint Johns, FL 32259
3 beds · 2 baths · 1,640 sqft
Welcome to your waterfront home in the sought-after community of Rivertown! This stunning open-concept one-level residence offers an ideal blend of elegance and comfort, featuring 3 spacious bedrooms, 2 beautifully appointed bathrooms, and a versatile flex space that can serve as a study or additional living area. This home has been upgraded to perfection, making it even better than new! Step inside to discover a warm and inviting foyer leading to an expansive living area that seamlessly connects to a dining room and a gourmet island kitchen with a charming breakfast bar. As you explore further, you'll be drawn to the inviting living room, where a sliding glass door opens to a covered lanai with breathtaking water views - the perfect spot for morning coffee or evening relaxation. The chef's kitchen boasts stunning white 42" cabinets adorned with crown molding, luxurious quartz countertops, and a sleek stainless refrigerator. Retreat to the expansive owner's suite, featuring private lanai access and a generous walk-in closet that promises ample storage. The second and third bedrooms share a beautifully designed bathroom, complete with zero entry shower for added convenience. Enjoy the convenience of modern upgrades, including newer appliances, stylish light fixtures, tasteful window treatments, and a water softener. The concrete coating on both the porch and garage adds that touch of luxury you'll love. Living in Rivertown offers you a resort-like lifestyle every single day! Meander along the tranquil trails by the scenic St. Johns River or take advantage of the top-notch amenities at the River Club, River House and Rive Lodge. Dive into multiple swimming pools, stay fit in the state-of-the-art fitness center, challenge friends in the game room, or enjoy the playgrounds and event lawns. With river access for kayaking, canoeing, and paddleboarding, adventure awaits at your doorstep! Don't miss out on the breathtaking views from the River Club boardwalk and the pier where you can enjoy fishing experiences. Relax in style at the RiverClub Clubhouse, and make memories in the lazy river, splash pad, and everything that makes this community truly special. This isn't just a home; it's a lifestyle waiting for you to embrace. Come see for yourself and make this dream your reality! Some photos are virtually staged.
Source: REALMLS #2058280
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2058280
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
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 © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
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