181 Green Turtle Ln, Saint Augustine, FL 32086
4 beds · 3 baths · 2,039 sqft
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!
Source: REALMLS #2050070
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2050070
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: #2050070
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