181 GREEN TURTLE LN, Saint Augustine, FL 32086
This spacious home in Deerfield Preserve offers a serene water view with bird life as you enter through the front door, and continues to delight as you move about the main living areas. This home is the Lantana floorplan, featuring a split floorplan, with the primary ensuite in the back, 2 bedrooms towards the front sharing a bath and the 4th bedroom tucked away off the front hall in its own alcove with the half bath. This bedroom would be perfect as a guest room, office or playroom. Large open spaces in the living areas with 10' ceilings are perfect for connecting with family and entertaining! Upgraded features include stucco siding and ledgestone accents on the exterior, tall entry, decorative glass front door, transom window above the front door, tile floors, pendant lights, granite countertops, gas stove, stainless steel appliances and stainless steel double basin sink. The primary retreat offers a double tray ceiling, walk-in closet, double sink vanity, walk-in tiled shower and garden tub. The 8' triple sliders lead out to the Lanai overlooking the water where you can enjoy coffee, watch the sunrise or relax after a long day. Brand new carpet installed April 2024. Gas tankless water heater installed 2023. Black aluminum fencing in the rear. Deerfield Preserve is a natural gas community with NO CDD, LOW HOA and great amenities that include a zero entry pool, clubhouse, fitness center, basketball court and playground! Conveniently located right in St. Augustine close to shopping, restaurants, Flagler Hospital, schools, historic attractions, movie theater and the beaches, with I-95 just 3.5 miles away. You won't want to miss out on this beautiful home!
You may be able to put down less than the total down payment amount of $236,236 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2001202
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