354 Porta Rosa Cir, Saint Augustine, FL 32092
5 beds · 3 baths · 4,167 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Stunning Waterfront Home in Prime St. Johns County Location! Wake up to breathtaking water views in this beautifully maintained 5-bedroom, 3-bathroom home, perfectly situated in one of St. Johns County's sought-after neighborhoods. From the moment you step inside, soaring 15-ft cathedral ceilings and expansive tile floors set the stage for a home that feels both spacious and inviting. Designed for effortless living and entertaining, the open-concept layout flows seamlessly from the formal dining room and home office into the heart of the home - an extensive kitchen with ample cabinetry, pantry storage, and a raised bar, overlooking a cozy family room with a gas fireplace. The adjacent breakfast nook is bathed in natural light, offering serene water views as you start your day. The primary suite is a true retreat, featuring picturesque views, walk-in closets, and a spa-like en-suite bath. Three additional bedrooms, a full bath, and utility room complete the main level. Upstair s, discover the ultimate flex space - a bonus room with custom built-ins, plus a private bedroom and full bath, ideal for a guest suite, home theater, or playroom. But the real showstopper? The incredible outdoor oasis. Step onto the expansive 33x31 screened lanai, complete with custom pavers, three ceiling fans, and a partially covered area - perfect for morning coffee, evening cocktails, or watching breathtaking sunsets over the water. This home is move-in ready and waiting for you! Schedule your private showing today and experience the best of Florida living! Murabella offers resort-style amenities, including an Olympic-sized pool, waterslide, kids splash zone, fitness center, tennis & pickleball courts, sports fields, playgrounds, and scenic trails. Located in a top-rated school zone, just minutes from Flagler Health+Fitness, Publix, golf, dining, and shopping. With easy access to I-95, you're close to St. Augustine, beaches, and Jacksonville. 2025 NEW ROOF, 2024 HVAC dampers, 2024 HVAC condenser, 2024 Water Heater, 2024 garage door opener, 2024 artesian well pump. *Washer and Dryer do not convey.
Source: REALMLS #2067698
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2067698
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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