133 S Prairie Lakes Dr, Saint Augustine, FL 32084
3 beds · 2 baths · 1,937 sqft
If you are looking for a St. Johns County home with more space, this beautiful pond view home on 0.7 acre with low HOA fees will be a perfect fit. Space is the theme of this home beginning with a three car garage and widened driveway for extra parking. Inside, the foyer leads you to the open main living spaces with a view out to the back yard and never-ending pond to preserve view. The light and bright kitchen has extended cabinets and an oversized island with a stainless-steel farmhouse sink. Features such as updated light fixtures, brick laid tile flooring, shiplap, and a sleek electric fireplace in the living room add a modern flair. Primary bedroom checks all the boxes - tray ceiling, plenty of light, en suite bathroom with walk in shower, separate garden tub, and dual sinks, plus a huge walk-in closet. No carpet anywhere! The triple sliders open to the screened lanai allowing fresh air on cooler Florida days. The huge fenced yard has endless possibilities, create a garden, add a pool, a play area, or all of the above. Built in fire pit on the open air pavered patio adds to the outdoor enjoyment. Backyard shed for more storage, or could be a man cave/she shed - it has electricity! The pond is perfectly placed to accentuate the sunsets every night. This tucked away community of Prairie Lakes feels like it belongs in the country, but is actually conveniently located minutes from I-95 making it a quick commute to anywhere you need to be. Short distance to area beaches, top rated schools, and downtown St. Augustine, where you can be a tourist in your own town. Call today to schedule a showing!
Source: REALMLS #2073911
Financials
Source: REALMLS #2073911
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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