226 Ashford Lakes Cir, Ormond Beach, FL 32174
5 beds · 4 baths · 3,100 sqft sqft
Welcome to your Dream Pool Home in the highly sought after Ashford Lake Estates! This 5-bedroom, 4-bathroom beauty has it all, from a spacious layout to fantastic outdoor space perfect for entertaining. The heart of this home is the kitchen, and it’s a showstopper. With sleek stainless steel appliances, custom cabinets, and sparkling quartz countertops, cooking here is a joy. The huge island is great for meal prep, casual bites, or catching up with friends and family. The open-concept living and dining areas are warm and inviting, with high ceilings, beautiful tile floors, and tons of natural light. The living room, flows right into the backyard, making it easy to enjoy indoor-outdoor living. Your master suite is the perfect place to unwind. With a spa-like bathroom that includes a soaking tub, a custom-tiled walk-in shower, and dual vanities. And let’s not forget the big walk-in closet—plenty of room for all your stuff! The backyard is an entertainer’s dream. There’s an oversized 40ft pool with a sun shelf, waterfall, and fire feature, a fully-equipped outdoor kitchen, and a surround sound speaker system. The covered patio and lush landscaping make it feel like your own private oasis. This home is packed with amenities, like a "JuiceBox" car charger and a Whole-House Solar System that’ll be paid off at closing—hello, energy savings! The 3-car garage has room for your cars, boat, golf cart, and more. Great Location, Lower Costs: Situated in Flagler County, you’ll enjoy lower taxes, a low HOA, and no CDD fees. It’s luxury living without breaking the bank! Don’t miss out on this amazing home—schedule your tour today and see all it offers!
Source: STELLAR #o6226963
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6226963
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: #o6226963
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.