132 SE Dogwood Ct, High Springs, FL 32643
3 beds · 2 baths · 1,558 sqft
Nestled on almost 7 acres of pristine land bordering Oleno State Park and just minutes from local springs, this property offers the perfect blend of nature, tranquility, and modern amenities. The spacious 3-bedroom, 2-bath home features a split/open floorplan with freshly painted interiors, wood laminate flooring, and remodeled bathrooms, including a guest bath renovated in 2024. The kitchen is a chef’s dream, equipped with a 2024 LG smart oven that boasts air fry, convection, slow cook, remote start, warmer, and broil functions, alongside a Bosch dishwasher (2018), 2023 LG refrigerator, and 2023 LG microwave. Ceramic tile flooring and wood cabinets with pull-out shelves complete the kitchen. The cozy living room offers a wood-burning fireplace and a bay window overlooking the large covered front porch. A large bonus room with an office nook provides flexible space, while the laundry room comes with a brand-new Maytag washer. The property is fully fenced and cross-fenced, ideal for livestock or horses, and features a 24 x 32 pole barn with power, a storage building with power that could be converted into a guest house, and a 16 x 32 covered boat/RV carport with a shower. Other highlights include an enclosed 30 x 48 garage/workshop with 200 amp power and Cannon 4.5 ft fireproof safe included, an irrigation system, a horseshoe throwing area, fire pits, blueberry and blackberry bushes, and an old 1800s tobacco shed at the entrance. With a new well (2020), metal roof (2021), and a Trane AC system (2014), this home is ready for comfortable, low-maintenance living. Located just a short drive from historic North Florida’s outdoor attractions, this property is perfect for nature lovers and those seeking a peaceful, self-sufficient lifestyle.
Source: STELLAR #gc526106
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #gc526106
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: #gc526106
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.