13 Las Brisas Way, Palm Coast, FL 32137
4 beds · 2 baths · 2,216 sqft
One or more photo(s) has been virtually staged. Welcome to 13 Las Brisas Way, nestled in the desirable Beachside Los Lagos community. This stunning, nearly-new lakefront home, still under Builder's warranties, offers the perfect blend of modern elegance and comfort. As you step inside, you'll be captivated by the expansive, open floor plan with soaring ceilings, stylish downlighting, and elegant wood-look tile flooring. Sliding barn doors lead to a versatile Flex room that can serve as a home office, workout space, or even a fourth bedroom with the addition of an armoire. The heart of the home is the kitchen, featuring sleek grey cabinetry, soft-close drawers, and a contemporary white quartz countertop with a striking herringbone backsplash. Equipped with top-of-the-line stainless steel appliances—including a built-in microwave, oven, and a convenient cooktop with a stainless steel vented hood—this kitchen is designed for gourmet cooking. A spacious island with a built-in dishwasher, sink, and overhang for casual dining is illuminated by stylish pendant lighting. Natural light floods the open living area through east-facing windows, enhancing the ambiance of the space. The living area seamlessly extends to a covered, screened lanai with breathtaking lake views. Here, you’ll find a state-of-the-art Jacuzzi, perfect for relaxing with a drink while enjoying the serene lakeside setting. The lanai also offers ample space for lounging, watching TV, or adding a summer kitchen. The primary bedroom is a tranquil retreat, featuring a private entry hallway, tray ceiling, and a large lake-view window. The luxurious ensuite bathroom boasts double vanities with sleek black fixtures, a private water closet, and a spacious walk-in shower with clerestory windows, a bench, rain shower head, and handheld wand. Two additional guest bedrooms share a well-appointed guest bath. The interior laundry room is both functional and stylish, with a storage shelf, cabinetry, white quartz countertop for folding, and a front-load washer and dryer, along with a mini top-load washer for delicate items. Completing this exceptional home is a 2-car garage with a tandem storage area. Enjoy the best of beachside living with access to sunrise views, the Intracoastal waterway for fishing and kayaking, or relaxing on the covered boat dock. For those seeking adventure, the community offers sand volleyball, tennis, pickleball, and a beachside pool by the ocean. This is more than just a home—it's a lifestyle. Don’t miss the opportunity to make it yours!
Source: STELLAR #fc303716
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #fc303716
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: #fc303716
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.