136 Drysdale St, Jacksonville, FL 32206
3 beds · 2 baths · 1,152 sqft
Discover the charm of the Springfield Historic District with this beautifully restored 1909 bungalow, tucked away on a quiet dead-end street. Just minutes from Main Street's shops, breweries, coffee spots, restaurants, and downtown, this home offers a perfect blend of historic charm and modern convenience. Enjoy a short bike ride to the Jags stadium and Daily's Amphitheater, plus easy access to hospitals, top-rated schools, and Florida State College at Jacksonville. The home features an inviting oversized front porch and fresh exterior paint. Inside, durable 2019 LVP flooring flows throughout the living areas and bathrooms. The front bedroom is ideal for a home office, while the spacious laundry room offers ample storage. The first bathroom includes a tub/shower combo, and the master suite boasts large windows and a private bathroom with a walk-in shower. The newly remodeled kitchen (2019) includes quartz countertops and stainless-steel appliances, all conveying with the hom Step outside to a low-maintenance gravel yard, plus a private paver patio perfect for entertaining, with all furniture, grill, firepit, and shed included. Enjoy extra privacy with only one neighbor and an open field next door, allowing for abundant natural light. Additional features include a 2019 roof, a new 2024 water heater, transferable termite bond, and a smart doorbell/camera. Don't miss out on this well-maintained piece of Jacksonville history. Schedule your private showing today!
Source: REALMLS #2063892
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2063892
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: #2063892
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.