13 Carnauba Way, Ponte Vedra, FL 32081
3 beds · 3 baths · 2,808 sqft
Nocatee, Corner Lot, THREE Car garage, FOUR bedrooms, THREE full Bathrooms, open floorplan and so much to offer! Welcome to this beautiful home that has so much to offer. TWO Primary Bedrooms and two other secondary bedrooms make this home ideal for multi- generational living. Walk in and notice the spacious entryway followed by the beautiful engineered hard wood floors throughout! Office with double glass doors, dining room, Gourmet kitchen that opens to a very inviting family room. Family room has built ins and a gas fireplace along with tray ceiling for a grander feel. The kitchen is well equipped with stainless steel appliances to include DOUBLE ovens - holiday meals, cooktop, microwave, dishwasher, sink, refrigerator and huge center island. Under cabinet lighting and backsplash finish this chef's kitchen. The family room has triple sliders that disappear to in the wall for a complete indoor/outdoor entertainment area. Two primary bedrooms one on the left and one on the right side of the home, each with it's own full bathrooms. Two other bedrooms and one full bathroom are also located on the right side of the home. Covered lanai with a ceiling fan. Huge laundry room with cabinets, sink and washer and dryer. Extra refrigerator in laundry room is available. Three car garage with epoxy flooring. Rhino ceramic paint on the exterior in 2023. All 110 circuits wired for generator and generator stays!! Fully fenced in yard with gate and partial home generator is also included. This home in The Palms neighborhood of Nocatee with quick access to one of the many Nocatee trails that connects you to the Town Center area. Enjoy the lifestyle, golf cart community, the walking paths, the pools - Spray, Splash and others. Nocatee Gym, Resident Center, Jr Olympic Size Pool, Pickelball, tennis, basketball courts and green space. Close to St Augustine city center, the beach, and easy access to the main highway.
Source: REALMLS #2056071
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2056071
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: #2056071
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