2320 Holly Leaf Ln, Orange Park, FL 32073
4 beds · 3 baths · 2,742 sqft
**BACK ON THE MARKET through NO fault of the sellers.** Nestled on a generous .46-acre lot, this charming 4-bedroom, 3-bathroom saltwater POOL home combines comfort and versatility in a desirable location. The spacious layout includes a standout mother-in-law suite with a private bathroom, separate entrance, and the potential for a kitchenette—ideal for guests, extended family, or multi-generational living. As you enter through the foyer, the home welcomes you with a thoughtfully designed floor plan that provides a great flow between spaces while maintaining a sense of separation. The kitchen, located just to the right, is a true highlight, offering beautiful granite countertops, stainless steel appliances, and ample cabinet and counter space. Whether you're an aspiring chef or simply enjoy preparing meals, this kitchen is perfectly suited for culinary endeavors with plenty of space for both cooking and entertaining. The adjacent dining area makes it easy to enjoy meals with loved ones, further enhancing the home's functional design. The family room, just off the kitchen, serves as a more formal living space with a cozy brick wood-burning fireplace and built-in shelving, creating the perfect ambiance for relaxing or entertaining. Sliding doors open to the screened-in patio, allowing for effortless indoor-outdoor living. For added convenience, the family room is also just steps away from the laundry room, enhancing the home's practical layout. Opposite of the family room, the living room offers a versatile space for a variety of uses, whether you prefer a more relaxed atmosphere for family time or an inviting area for guests. The flexible layout ensures there's always a space that fits your lifestyle. Step outside, and you'll be greeted by an exceptional backyard oasis. The fully fenced yard features a sparkling saltwater pool, and a beautiful setting that feels like your own private retreat. Whether you're lounging by the pool, hosting gatherings, or simply enjoying the tranquility, this outdoor space offers endless possibilities for relaxation and entertainment. In addition, the yard is complemented by a detached two-car garage and a separate shed, providing abundant storage for gardening tools or other hobbies. The front of the home boasts a charming sitting area, perfect for enjoying morning coffee or admiring the peaceful neighborhood views. The owner's suite is a true sanctuary, offering a spacious and serene retreat from the hustle and bustle of daily life. It features a luxurious double vanity, a generously sized walk-in shower, and a large walk-in closet. Additionally, a private door provides direct access to the patio, offering a seamless connection to the outdoor space, where you can enjoy a morning breeze or evening sunset in peace. With a tranquil and expansive feel, the owner's suite is the perfect place to unwind after a long day. Don't miss the chance to see this beautiful home in person, schedule a showing today and discover all it has to offer!
Source: REALMLS #2074400
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2074400
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.
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.
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