190 River Mist Dr, Saint Augustine, FL 32095
4 beds · 3 baths · 1,874 sqft
Welcome to Bannon Lakes, a sought-after community in St Johns County, Florida. This charming single-family home, built in 2021, offers a spacious 4 bedroom, 2.5 bathroom layout with a generous 9-foot ceiling height, all set on a .19-acre parcel. This property is perfect for families looking for a blend of modern living and a friendly neighborhood atmosphere, just a short drive from the historic charm of St Augustine and the sandy shores of Vilano Beach. Step inside to discover a home that combines comfort with contemporary design. The interior boasts an open layout that maximizes natural light, creating a warm and inviting atmosphere. The kitchen is a chef's delight, featuring quartz countertops, an upgraded tile backsplash, and stainless steel appliances including a gas stovetop, dishwasher, and microwave. Recessed lighting and an under-mounted sink add to the modern aesthetic. The flooring transitions from tile in the main living areas to plush carpet in the bedrooms, ensuring both style and comfort. Bathrooms are equally impressive with tiled master showers, cultured marble countertops, and double vanities in both the master and second full bathroom. The exterior of this home is as appealing as its interior. A rear covered and screened patio provides a perfect spot for relaxation or entertaining, overlooking a fenced backyard that offers privacy and space for outdoor activities. The property includes a 2-car garage, ensuring ample parking and storage. The home's design and finishes reflect a commitment to quality and detail, making it a standout in the neighborhood. Convenience is at your doorstep. This home is strategically located near major roadways like I-95 and County Road 208, making commuting a breeze. Bannon Lakes offers access to top-rated schools like Mill Creek Academy for elementary and middle school education, and Tocoi Creek High School for high school, both part of the highly regarded St. Johns County School District. Additionally, the community is in close proximity to Allen D. Nease Senior High School and Valley Ridge Academy, providing further educational options for families. For healthcare, UF Health Flagler Hospital, St Vincent's St Johns, and Baptist Medical Center South are within easy reach. Shopping enthusiasts will appreciate the proximity to St Augustine Premium Outlets and St Johns Towncenter. Educational institutions such as UNF, Jacksonville University, and FSCJ are also nearby, catering to students and lifelong learners alike. This home in Bannon Lakes offers a blend of modern living with the convenience of a well-connected location. With its thoughtful design, recent upgrades, and proximity to essential amenities, this property is ready for showings and waiting for its new owners to make it their own. Don't miss the opportunity to live in this vibrant community, where family-friendly living meets the charm of Northeast Florida.
Source: REALMLS #2067025
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2067025
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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