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1344 Talbot Ave, Jacksonville, FL 32205

4 beds · 3 baths · 2,091 sqft

OPEN HOUSE THURS 5 - 7 PM. Nestled in the heart of Avondale, this Spanish-style home boasts a spacious floor plan, historic charm, and an enviable location. Its neutral front façade beckons you into the home with its one-of-a-kind turret and detailed parapet designs, often not found in new construction. Once you enter, you are greeted by an inviting and expansive living room with corner fireplace. All the main living spaces seamlessly connect creating an open floor plan. The original hardwood floors throughout the home add a touch of warmth and character. The showstopper is undoubtedly the unique octagon-shaped front room, bathed in natural light and featuring cozy built-in seating. Imagine yourself relaxing here with a good book. Outside, a newly installed patio space with pavers and rock accents is perfect for outdoor entertaining. The oversized two-car garage with workshop offers plenty of space for vehicles. Or you can convert it to an ADU. Savor the sweetness of your own fruit trees and additional storage in the detached shed in your fully fenced backyard. After a long day, retreat to your primary suite complete with ample vanity space and an en-suite bathroom - a rare find in the historic district. Four bedrooms sit off an oversized hallway. The large hallway can accommodate office space and features a corner storage closet with custom built-ins and lighting. A half bath off the hallway is easy to access for guests. The updated kitchen has a walk-in pantry, sleek granite countertops, and stainless-steel appliances. The garden window brings a touch of greenery inside. Exposed ceiling beams in the kitchen and playroom add a touch of rustic charm. Immerse yourself in the vibrant Avondale lifestyle with quick access to Edgewood and Boone Park, as well as a plethora of dining, shopping, and entertainment options. The home also has easy access to Downtown, I-10, and Naval Air Station Jacksonville. You will be located in the heart of what makes Avondale desirable and a sound neighborhood to invest. Plus the house has updated sewer lines, copper water supply lines, updated electrical panel, and roof and hvac from 2015.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
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Details
Home
Size
2,091 sqft
Lot size
0.17 acres
Year built
1916
Type
Single Family Residence

Source: REALMLS #2038527

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

expand content

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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Last updated: Oct 27, 2024 06:07 am
Listing agent: LAURA GARCIA (904) 419-8441
Listing provided courtesy of: KELLER WILLIAMS JACKSONVILLE (904) 288-7990
Details provided by REALMLS and may not match the public record.
MLS ID: #2038527
The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Everystate are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.