221 SPARROW BRANCH CIR, Saint Johns, FL 32259
Welcome to 221 Sparrow Branch Circle, an exquisite property nestled in the highly sought-after community of Julington Creek Plantation in St. Johns, Florida. This stunning residence offers a perfect blend of modern elegance and comfortable living, making it an ideal home for those seeking a high-quality lifestyle, outstanding amenities, and access to some of the best schools in the area. Let's take a closer look at what makes this home and its surroundings truly special. As you approach 221 Sparrow Branch Circle, you'll be captivated by its charming curb appeal. The beautifully landscaped front yard, complemented by mature trees and vibrant flowers, sets the tone for the beauty that lies within. The home's exterior boasts a classic yet contemporary design, with a welcoming entryway that invites you to step inside. Upon entering, you'll be greeted by an open and airy floor plan that seamlessly integrates the living, dining, and kitchen areas, along with a separate flex area with ... plenty of natural light. The spacious living room features large windows that flood the space with natural light, creating a warm and inviting atmosphere. The neutral color palette and high ceilings enhance the sense of openness, making this area perfect for both relaxing and entertaining. The kitchen is well equipped with stainless steel appliances, granite countertops, and ample cabinet and counter space. The breakfast bar area serves as a gathering spot for family and friends. Whether you're hosting a dinner party or preparing a casual meal, this kitchen is sure to inspire your culinary creativity. Adjacent to the kitchen is the separate dining area with plenty of space for family or guests. French doors lead to the heated and cooled Florida room, creating an indoor-outdoor living experience. This outdoor oasis is perfect for al fresco dining, morning coffee, or simply unwinding while taking in the serene surroundings contained within your expansive and private backyard. This home features 4 generously sized bedrooms. The master suite is a true retreat, offering a spacious layout, a walk-in closet, and en-suite bathroom. The bathroom boasts dual vanities, a soaking tub, and a separate walk-in shower, providing a spa-like experience within the comfort of your own home. The additional bedrooms are equally inviting, with ample closet space and large windows that allow for plenty of light. These rooms are perfect for family, guests, or home office, providing flexibility to meet your needs. The second bathroom is tastefully appointed with modern fixtures and finishes. Living in Julington Creek Plantation means enjoying an exceptional lifestyle with access to a wide range of amenities. This master-planned community is renowned for its friendly atmosphere and numerous recreational options. Residents have access to multiple swimming pools, including a family pool with water slides and a lap pool for serious swimmers. The clubhouse features a fitness center, meeting rooms, and spaces for social gatherings, making it easy to stay active and engaged with the community. For sports enthusiasts, Julington Creek Plantation offers tennis courts, basketball courts, and soccer fields, providing ample opportunities for outdoor fun and exercise. The extensive network of walking and biking trails meanders through the community, allowing residents to explore the natural beauty of the area. Whether you enjoy a leisurely stroll or a brisk jog, these trails offer a scenic escape from the hustle and bustle of daily life. Beyond the community amenities and excellent schools, this home location offers convenient access to a variety of shopping, dining, and entertainment options. Just a short drive away, you'll find an array of retail centers, boutique shops, and restaurants catering to every taste and preference. Whether you're in the mood for casual dining or a gourmet meal, the diverse culinary scene in St. Johns has a lot to offer. For those who enjoy the outdoors, the nearby St. Johns River provides opportunities for boating, fishing, and waterfront recreation. The scenic beauty of the river and its surrounding parks creates a picturesque backdrop for picnics, hiking, and nature exploration. Additionally, the pristine beaches of the Atlantic Ocean are just a short drive away, offering a perfect escape for a day of sun, sand, and surf. In summary, 221 Sparrow Branch Circle is more than just a house; it's a place where you can build lasting memories and enjoy a fulfilling lifestyle. With its desirable location, top-notch amenities, and access to A-rated schools, this property truly offers the best of both worlds. If you're looking for a home that combines elegance, comfort, and convenience in one of the most desirable communities in northern St. Johns County, look no further. Schedule a showing today and experience the magic of Julington Creek Plantation for yourself. Welcome home!
You may be able to put down less than the total down payment amount of $308,490 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2035472
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