241595 County Road 121, Hilliard, FL 32046
3 beds · 2 baths · 2,078 sqft sqft
OPEN Sat 11/16/26: 10-1pm! ASSUMABLE mortgage option at an all-time low interest rate of 3.625%!!!!! NEW PRICING, reduced to Sell! Come see for yourself this delightful large 3 bedroom, 2 bath all-brick home with a bonus room, offering 2,078 sq. feet of cozy living space on almost 4 acres of Open Rural property. Plenty of room to breathe, play on big toys, add a barn for animals or add a shop for your hobbies!Discover serene rural living in this charming all-brick ranch home nestled on 3.98 acres of high and dry property. This inviting 3-bedroom, 2-bath residence offers 2078 sf of comfort mixed with modern upgrades. Enjoy the spacious kitchen with SS Appliances (stove 2022) and a huge Breakfast Bar! The Bonus Room next to the dining room can be used for a home office or game room. LVP floors throughout with custom tile in the hall bath and laundry/storage room that comes with the washer & dryer. Primary bath features a quartz counter and lovely tiled shower with a seating area and safety bar. Relax and enjo the wildlife on either the front or back covered porches, unwind in your hot tub, or explore the spacious grounds featuring a new 12x24 shed (2022) and 12x21 carport (2023) in addition to the attached 22x25 foot 2-car garage, as well as the original metal shed on the grounds. Lot is not fully cleared, it includes stylish new wood fencing with solar lights across the cleared road frontage with 4 unpaved driveway entries and a backyard partially fenced-in with chain link to keep little people or critters from wandering off. Enjoy peace of mind with a complete new, full tear off re-roof (2022), well (2020), new and upsized well booster pump (2023) and septic pump (2023). Conveniently situated for quiet nights of star-gazing, sitting around the fire-pit, or setting up a small barn for the animals, or workshop for hobbies or toy storage. This property blends rural tranquility with thoughtful amenities. We can't wait to see you there and share the cozy charm of this property with you!
Source: REALMLS #2046611
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2046611
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: #2046611
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