199 Brookline Trl, Ponte Vedra, FL 32081
4 beds · 4 baths · 2,338 sqft
An Amazing Opportunity Awaits in Nocatee's Greenleaf Village! Why wait on the delays and costs of new construction when you can make this home truly your own? Nestled in the highly sought-after community of Greenleaf Village, this spacious 4 bed/3.5 bath home offers the perfect canvas to add your personal touches, all while building equity! Priced with future customization in mind, the new owners can update the paint, install their choice of flooring, and still enjoy one of the lowest CDD bonds in Nocatee. This means your monthly payments could be lower compared to other homes in the area—a smart financial move! Plus, the seller is including approximately $20K worth of oak treads and spindle materials to update the stairs post-closing, giving you a head start on personalizing this lovely home. The layout offers both privacy and community charm, with only one neighboring house and a green space bordering the property. The home's location provides easy access to US-1 and Nocatee Parkway for a stress-free commute. Inside, you'll be greeted with soaring ceilings (over 12 feet in areas) and abundant windows that bathe the space in natural light. The main level features an updated kitchen with an oversized island, wood floors, a convenient half bath with custom woodwork, and the primary bedroom. Upstairs, there are three additional bedrooms, two full bathrooms, and a loftideal for large families or extra space for guests, playrooms, or home offices. The outdoor area is perfect for enjoying Florida evenings, with a pavered driveway enhancing curb appeal, a fully fenced yard, and a back porch complete with an outdoor kitchen for entertaining. Greenleaf Village offers an unbeatable location, with a quick bike or golf cart ride to Nocatee's exceptional amenities. Residents enjoy access to Splash and Spray Waterparks, tennis and pickleball courts, basketball, parks, fitness centers, and a boat launch. A short drive brings you to beautiful beaches, fantastic shopping, and dining in Ponte Vedra. Don't miss this opportunity to transform a house into your dream home while growing your investment. Make it yours todaywelcome home!
Source: REALMLS #2026435
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2026435
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: #2026435
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