138 Anclote Way, Saint Augustine, FL 32092
4 beds · 3 baths · 2,678 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this stunning 4-bedroom, 3-bathroom home, nestled in the highly desirable Shearwater Community, where luxury and convenience seamlessly come together. Recently refreshed with a brand-new coat of paint, this meticulously designed home boasts a spacious open floor plan, bathed in natural light pouring through large windows, creating a bright and inviting atmosphere that flows effortlessly throughout the space. A beautifully paved driveway and a 3-car garage offer ample parking and storage options. The chef-inspired kitchen is a true highlight, featuring high-end stainless steel appliances, a convenient pot filler, a walk-in pantry, and a cozy breakfast nook, perfect for sharing meals with loved ones. For an enhanced entertainment experience, the home is equipped with integrated surround sound, both indoors and in the front and back yards, elevating your moments of relaxation and fun. The expansive Owner's suite serves as a peaceful retreat, complete with an upgraded bathroom that includes a dual vanity, a soothing jet tub, and a walk-in shower with both rainfall and traditional shower heads. One of the two walk-in closets has been thoughtfully updated to maximize functionality and storage. Step outside to the expansive, screened lanai, a true oasis designed for ultimate relaxation and privacy. The retractable barrier adds an extra layer of comfort, ensuring you can enjoy the outdoors in peace and tranquility. The fully fenced backyard is an entertainer's dream, thoughtfully designed with custom pavers that create a stylish, functional space perfect for hosting gatherings or simply unwinding. A charming fire pit provides the perfect focal point for cozy evenings spent with friends and family, while the built-in seating areas offer both comfort and convenience, inviting everyone to gather around and enjoy the natural beauty of the surroundings. Beyond the home's exquisite features, the Shearwater Community offers a wealth of amenities that enhance everyday living. Residents can enjoy three resort-style pools, including a lazy river and water slide, 15 scenic hiking trails, tennis courts, and a fully equipped gym. The community also boasts two on-site schools (including a K-8), several dog parks, and a lifestyle designed for recreation and relaxation. With its unbeatable location, fresh paint, and outstanding amenities, this home offers the perfect blend of comfort, luxury, and community living. Don't miss the chance to make this exceptional home your own!
Source: REALMLS #2085319
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: REALMLS #2085319
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.
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.
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