310 Pullman Cir, Saint Augustine, FL 32084
4 beds · 4 baths · 2,798 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this thoughtfully designed Vilano floorplan, offering a versatile layout with 3 bedrooms, 2.5 baths in the main residence, and a private Next Gen suite that includes an additional bedroom, bathroom, living room, kitchenette, and exterior entrance—ideal for multi-generational living, guest accommodations, or a game room. From the moment you arrive, you'll be captivated by its inviting curb appeal and elegant design details. Step inside to discover elevated charm at every turn: wood tile floors, barn doors, shiplap accents, floating shelves, tray ceilings, and expansive 10-foot ceilings. The heart of the home is a gourmet kitchen featuring premium finishes, a tile backsplash, a walk-in pantry, stainless steel appliances, and a spacious island with seating for four. The open floorplan encompassing the kitchen and large living room are perfect for entertaining guests and hosting large gatherings. Adjacent to the kitchen is a cozy café area with French doors leading out to the large screened lanai, perfect for relaxation and entertaining. The office or flex room is enclosed by French doors, creating a private space for work or hobbies, while the second and third bedrooms share a Jack-and-Jill bath illuminated by a skylight. Barn doors in the hallway provide access to the laundry room, half bath, garage entry, and mudroom, while also offering added privacy for the Next Gen suite. The primary bedroom is generously sized at 17x14 with a walk-in closet, and the primary bath includes both a walk-in shower and a garden tub for a spa-like experience. Outside, the large, screened lanai opens to an extended pavered patio and fully fenced backyard, overlooking a serene preserve. With the fence set 3 feet inside the property line, there's potential for future expansion. The 3-car garage offers ample space for storage and projects. Situated in desirable St. Augustine, close to top-rated schools, shopping, and historic attractions, this home is a true gem for Florida living at its finest. Don't miss the chance to make this exceptional property your sanctuary!
Source: REALMLS #2055610
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2055610
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.
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 © 2025 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
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