213 Weathered Edge Dr, Saint Augustine, FL 32092
3 beds · 3 baths · 2,274 sqft
Welcome to a home where craftsmanship and comfort blend effortlessly—designed with purpose and elevated in every detail. This MasterCraft-built Casa Cola floor plan, nestled on a serene preserve lot in the sought-after TrailMark community, offers a warm, sophisticated living experience from the moment you step inside. Rich hardwood flooring flows through the main living spaces, accentuated by tray ceilings and an abundance of natural light from the thoughtfully added extra windows. The heart of the home is the custom-designed kitchen—a true centerpiece, curated by MasterCraft and once showcased in a magazine. Every inch has been considered: thick upgraded countertops, a pot filler, shiplap-wrapped island, Samsung appliances, and hand-selected fixtures that tie it all together with elegance. Seamless indoor-outdoor living comes to life through the four-panel sliders, opening to a caged pool retreat complete with an outdoor shower, ceiling fans, and pre-plumbing for an outdo The bedrooms have large walk in closets, ceiling fans and are separate from the primary suite. The bathroom also includes upgrades as well; tile all the way to the ceiling in the entire tub/shower area, quartz countertop and fixtures. Relax and unwind in the comfort of your electric brick fireplace, creating an inviting ambiance for family gatherings and the tray ceilings add an elegant touch. The primary suite includes a tray ceiling and upgraded ceiling fan, and is a sanctuary of its own with a custom large walk-in shower, providing a spa-like experience every day. There are two walk in closets off of the primary bathroom; one closet has a pocket door leading to the laundry room for added convenience. The home seamlessly transitions to outdoor living with the upgraded 4-panel sliding glass doors leading to a lanai and a screened in-ground pool, offering an idyllic retreat for entertaining or quiet relaxation. An irrigation system keeps your garden flourishing, and the privacy of backing up to a wooded preserve ensures a serene backdrop to your family's memories. This is more than just a house; it's the perfect place to call home.
Source: REALMLS #2077098
Financials
Source: Public records
Source: REALMLS #2077098
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.
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.
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