23 Alegria Cir, Saint Augustine, FL 32095
4 beds · 2 baths · 1,721 sqft sqft
Welcome to this meticulously maintained gem nestled in the community of Las Calinas in beautiful St. Augustine, Florida! This stunning 4-bedroom, 2-bathroom home spans over 1,700 sq. ft. of living space, where thoughtful upgrades and modern touches blend seamlessly to create an inviting and comfortable atmosphere. Step inside and be greeted by custom light fixtures that add a touch of elegance to every room. Enjoy peace of mind and energy efficiency with a brand-new AC system featuring advanced UV light technology on the air handler, ensuring fresh and clean air throughout the home. The freshly mulched yard adds curb appeal, setting the stage for the many outdoor delights that await. Venture outside to your private oasis, where an outdoor kitchen awaits under the covered porch—perfect for entertaining or enjoying family barbecues. The yard is fully fenced, providing a secure space for kids and pets to play. The added convenience of a dedicated storage area with concrete flooring and an attached shed ensures ample space for all your tools and outdoor equipment. Eco-conscious buyers will appreciate the solar panels that not only help save on energy costs but also align with sustainable living. The home also features a state-of-the-art hydro water heater, ensuring you have an efficient and reliable hot water source at all times. This home is thoughtfully designed to offer both functionality and style, with many more upgrades detailed in the additional documents. Best of all, enjoy resort-style living without the hassle of CDD fees! The Las Calinas community offers an array of amenities, including a sparkling pool, tennis courts, volleyball, basketball, and moreperfect for active lifestyles and creating lasting memories with friends and family. Come discover your dream home in Las Calinas, where meticulous maintenance meets modern living. Don't miss the opportunity to make this upgraded beauty yours!
Source: REALMLS #2049402
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2049402
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: #2049402
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2024 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.