VA loan
1 of 42
VA loan
$699,999 SIGNIN

Sign in to see required down payment for the 2.375% rate

23 Augusta Trl, Palm Coast, FL 32137

3 beds · 3 baths · 2,903 sqft

Luxurious, Renovated Pool Home with Lake & Golf Course Views – The Lifestyle You’ve Been Waiting For Tucked at the end of a quiet cul-de-sac, this stunningly renovated home offers the perfect blend of elegance, comfort, and functionality. From the moment you arrive, the expansive driveway sets the tone for the exceptional living experience inside. Step through the front door into a grand marble-tiled entryway, where luxury flooring and a dramatic staircase create a lasting first impression. A double-sided fireplace brings warmth and charm, seamlessly connecting the welcoming front living space with the bright and open great room. The formal dining room flows effortlessly into a chef’s dream kitchen—complete with a generous island, built-in oven and microwave, custom cabinetry, and thoughtful design that’s ideal for entertaining. The adjacent living area boasts soaring floor-to-ceiling windows and a second view of the elegant fireplace, creating an inviting space for relaxing or gathering with guests. Triple sliders open to your own private retreat—an enclosed pool area with tranquil waterfall features, pre-wired for an outdoor kitchen and television. Whether you’re hosting a weekend BBQ or enjoying a quiet evening under the stars, this space is designed for year-round enjoyment. The spacious primary suite is your personal sanctuary, with French doors leading to peaceful outdoor views. This luxurious retreat easily fits a king-sized bed and includes a spa-style en-suite with dual granite vanities, a soaking tub, walk-in shower with double showerheads, and striking glass block details. A thoughtful split floor plan offers privacy for family or guests, with additional bedrooms, a shared full bath with walk-in shower, and a convenient built-in workspace. Upstairs, a large bonus room with a wet bar and full bath is the perfect flex space—ideal for a game room, home theater, office, or stylish speakeasy. And the views? Simply breathtaking—enjoy panoramic scenes of the lake and the Grand Haven Golf Club. The oversized garage offers plenty of space for cars, a golf cart, kayaks, and even jet skis—making it easy to embrace the Florida lifestyle to the fullest. This home isn’t just a place to live—it’s a move-in-ready upgrade in one of the area’s most desirable communities. Easy to schedule a private showing and experience the allure of Grand Haven firsthand! Amenity features include - Bocce, Croquet, Basketball, 7 lighted Tennis courts, 2 fully stocked Fitness centers with on-site personal training, and 4 five-star rated Pickell ball courts!

Estimated
Seller's interest rate
2.375%
7%
Estimated
Monthly payment

$2,120
$2,812
You may also save up to $214,597 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,812 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
2.375%
Remaining term
25 yrs and 10 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,120
Principal & interest
$1,121
Mortgage insurance
-
Property taxes
$308
Home insurance
$635
HOA fees
$55
Utilities
Not included

Source: Public records

Home details
Size
2,903 sqft
Lot size
0.26 acres
Year built
2000
Type
Single Family Residence
HOA dues
$55.00

Source: STELLAR #FC304895

Qualify

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.

Resources
Frequently asked questions

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.

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.

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.

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 “Save search” 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.

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 620, 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.

View all FAQs
Last updated: Apr 16, 2025 06:43 am
Listing agent: Sonia Pagan-Lopez (919) 995-8545
Listing provided courtesy of: ADAMS, CAMERON & CO., REALTORS (386) 445-5595
Details provided by STELLAR and may not match the public record.
MLS ID: #FC304895
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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