2907 Ribault Scenic Dr, Jacksonville, FL 32208
3 beds · 2 baths · 1,592 sqft
Welcome to your tranquil waterfront oasis! This stunningly remodeled, 2 sided brick home effortlessly blends luxury and farmhouse charm, all at an unbelievable price. Step into a space where indoor and outdoor living flow together seamlessly, enhanced by beautiful hardwood floors, contemporary lighting, and rustic barn doors. The home features soothing river and nature views from nearly every room, creating the perfect retreat for relaxation. Recently upgraded with a newer AC and roof, as well as updated plumbing and electrical (2020), this home is completely move-in ready. Picture yourself sipping coffee in your expansive Florida room or on the deck, watching the sunrise over the river, or casting a line from your private backyard dock. The property includes an 18-foot boat lift with ocean access, making it ideal for water enthusiasts. Whether you're dining, watching a movie in the theater room (with an adorable snack closet), or even washing dishes, the scenery of birds, fish, and passing boats will take your breath away. This home offers the tranquility of country living, yet is just 15 minutes from downtown, 20 minutes from the airport, and 40 minutes from the beach. Nearby parks and nature preserves are perfect for outdoor adventures. Additionally, the home features a massive garage with three access doors, ideal for a workshop, extra storage, or even a home business. There are also two concrete slabs ready for a shed, RV, or boat parking. Solar panels are leased at just $134.79/month, with smart features and security systems negotiable. This is a rare opportunity to own a slice of waterfront paradise in a peaceful, secluded area that still offers easy access to the city. Whether you're looking for a serene personal retreat or a prime Air BNB investment, schedule your showing today!
Source: REALMLS #2049206
Source: REALMLS #2049206
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: #2049206
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