132 Carson Oaks Ln, Santa Rosa Beach, FL 32459
3 beds · 3 baths · 2,346 sqft
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A rare opportunity awaits in Carson Oaks, where waterfront access meets resort-style amenities in one of Santa Rosa Beach's most charming tree-lined communities. A true boater's paradise, residents here enjoy exclusive use of a private boat launch and waterfront park with deepwater access to Choctawhatchee Bay, complete with docks, a brand-new boatyard pavilion, an outdoor kitchen and a lounge area designed for relaxing after a day on the water. Even better, eligible veterans can take advantage of an *Assumable VA loan at just 3.125%* on $543,283 -- an exceptional value in today's market. This beautifully updated two-story home features more than $82K in thoughtful improvements, offering refined living across three bedrooms, a spacious loft, and inviting common areas both indoors and out. Recent upgrades include luxury vinyl plank flooring throughout the upper level, new interior and exterior paint, custom window treatments, a custom iron stairwell, and a backyard entertainment area finished with new brick pavers and synthetic turf. The bright, open kitchen boasts newer appliances and updated lighting, and the loft offers custom cabinetry with granite countertops perfect for additional storage or a flexible work-from-home setup. Out front, a welcoming screened porch with a custom wood door opens to a paved driveway, and a picturesque street lined with magnolia and palm trees, while the backyard is designed for low-maintenance enjoyment and privacy. With its blend of natural beauty, upgraded comfort and unbeatable boating access, 132 Carson Oaks Lane offers the lifestyle you've been waiting for. The Carson Oaks neighborhood is renowned for its exceptional community amenities, including monthly events, a large updated pool with new furniture and TVs, a recently resurfaced pickle-ball court, a stocked fishing pond with beautiful green spaces framed by majestic oak and magnolia trees, and a private boatyard for year-round enjoyment. Conveniently located near Highway 98, Sandestin's Grand Boulevard premier shopping and dining, and only 10-minutes to the 30A beaches, this home is ideal as a primary residence, second home or long-term rental investment.
Source: EMERALDCOAST #975520
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: EMERALDCOAST #975520
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.