20 Sadie Ct, Saint Augustine, FL 32095
6 beds · 4 baths · 4,180 sqft
This Taylor Morrison built home is located in the Estates section of the highly sought-after community, Las Calinas, known for it's Spanish and Mediterranean architecture. Surrounded by a hardwood preserve allowing you to enjoy Florida's beauty all around you. This home sits on a premium preserve lot, located on a cul-de-sac. Items to mention: Brand New Lennox HVAC (June 2024), Screened in Lanai (Sept 2023), LVP flooring in office, dining room and primary bedroom (2022). Check out the features sheet for a full list of items! Concrete block home, Fresh landscaping, paver driveway and a 3 car tandem garage- perfect for storage or that corvette you shouldn't have to live without! Walking into the home you are greeted by soaring ceilings, a spacious office on your right and the formal dining room with a tray ceiling on the left. The gourmet kitchen features an abundant amount of beautiful wood cabinets, an extended island with extra added storage, Stainless steel appliances and a cozy breakfast nook. The primary suite is conveniently located downstairs, tucked away. The ensuite bathroom features two vanities, a walk-in shower and a jetted garden tub. Upstairs, you have the other five bedrooms, a second living room/loft area and even a media room. Take a quick zoom call from your computer nook between rooms two and three. They also share a jack and jill bathroom, each with their own separate vanity! The other three bedrooms have access to the third bathroom with a bathtub as well. Relax on your screened in lanai or step outside on your covered extended patio, overlooking the preserve. Plenty of side yard for dogs to run and kids to play! The community offers resort style amenities including sparkling pool with cabana, kids splash park, basketball and tennis courts, kids playground, picnic pavilion, recreation area with grills and even a launching area for kayaks and canoes. The best part, NO CDD FEE!! Schedule your showing today, to be home for the Holidays.
Source: REALMLS #2058101
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2058101
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: #2058101
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