3311 Zephyr Way N, Jacksonville Beach, FL 32250
3 beds · 3 baths · 1,890 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Coastal Living Meets Modern Comfort in South Jax Beach. Nestled in a quiet cul-de-sac just one mile from the Atlantic Ocean, this beautifully updated 3-bedroom, 3-bathroom home offers the perfect blend of coastal charm, modern convenience, and serene privacy. The nature-inspired backyard is a lush retreat right at home. Step inside to discover a gourmet galley-style kitchen, a dream for any chef, featuring an abundance of custom cabinetry, a dining area, and a breakfast bar—ideal for entertaining. The main level boasts a sunlit office space, a full bath with a shower, and seamless indoor-outdoor living with a screened-in porch leading to a 2022 heated spa. Upstairs, the primary suite is a true sanctuary with a private balcony, two closets—including an oversized custom walk-in with additional cabinetry—and a spa-like ensuite bath with double vanities, a soaking tub, and a separate shower. Two additional bedrooms share a spacious, updated bathroom. Meticulously maintained with 2023 bathroom renovations, fresh exterior paint in 2023, and a brand-new HVAC system in 2024, this home is truly move-in ready. Located just minutes from Whole Foods, Trader Joe's, boutique shopping, South Beach Park, world-class medical facilities like Mayo Clinic, and Jacksonville International Airport, this prime location offers the ultimate blend of convenience and beachside living. Don't miss the chance to call this coastal retreat your own, schedule a private tour today!
Source: REALMLS #2075702
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2075702
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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