186 Ladson Ct, Saint Augustine, FL 32092
3 beds · 2 baths · 1,808 sqft
Welcome to this stunning, MOVE-IN READY 3-bedroom, 2-bath home located in the highly desirable Shearwater community. This immaculate home showcases meticulous attention to detail and high-end custom upgrades. As you enter, you'll be greeted with a generous sized foyer that leads into an open floor plan that creates a warm and inviting space. The kitchen is a chef's dream, featuring top-of-the-line GE Café appliances, 6 gas burner cooktop, a custom backsplash, and sleek cabinetry. The living room boasts elegant built-ins, surrounding an electric fireplace with modern lighting that adds both charm and functionality. Custom built-ins continue into the laundry-room, garage and guest room with extra cabinetry for ultimate storage needs. The primary suite is a luxurious retreat, featuring oversized windows, tray ceiling, an upgraded spa-like grand shower and incredible custom built-ins in the primary closet. Step outside to the fully fenced-in backyard, where you can enjoy the serene lake lake views and privacy on the screened-in lanai.This home is also equipped with a whole-home surround sound system, creating an immersive audio experience in every room. Plantation shutters adorn the windows, providing both style and energy efficiency. Additional upgrades include a gas outlet for easy outdoor grilling, a holiday lighting package for effortless seasonal décor, and a thoughtfully designed layout that makes every inch of this home functional and beautiful. This home truly has it all! The Shearwater community offers resort style amenities, including a lazy river, 3 story water slide, pools, playgrounds, clubhouse with fitness center and a dog park. You will also find scenic trails, a community garden, one of a kind kayak launch, fields and tennis courts. This home offers unbeatable convenience, located close to all major daily necessities, including shopping, dining, schools, and entertainment, with easy access to major highways for a quick commute.
Source: REALMLS #2050485
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2050485
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: #2050485
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