12760 Michaels Landing Cir N, Jacksonville, FL 32224
4 beds · 3 baths · 2,967 sqft
Spacious Home in Jacksonville Golf & Country Club with Pond View Welcome to 12760 N Michaels Landing Circle—an incredible opportunity in the sought-after Jacksonville Golf & Country Club community. This spacious 2,967 sq ft home offers 4 bedrooms, 2.5 bathrooms, and peaceful pond views from the backyard. Step inside and discover high ceilings, a flowing layout, and large windows that bring in lots of natural light. The main living spaces are open and inviting, perfect for relaxing or entertaining. The kitchen is roomy with plenty of counter space, and the dining area overlooks the water. The primary suite is generously sized with an en-suite bath that includes a soaking tub, walk-in shower, and dual vanities. Additional bedrooms are well-proportioned and offer flexibility for guests, work, or hobbies. The home sits on a beautifully manicured lot with lush landscaping and a serene pond view—perfect for enjoying Florida's outdoor lifestyle. A two-car garage provides extra storage and convenience. This home does need some updates and is being sold as is, giving you the chance to make it your own. Located in a gated, golf course community with top-tier amenities, it's a rare find in this location. Don't miss out on this chance to live in one of Jacksonville's most prestigious neighborhoods. 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 #2076742
Financials
Source: REALMLS #2076742
Source: Public records
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%. 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.
Other resourcesWhat 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.
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