360 Lakeshore Dr, Saint Augustine, FL 32095
3 beds · 2 baths · 1,512 sqft
Seeking a serene and peaceful retreat? Welcome to this charming 3-bedroom, 2-bathroom home, nestled in the tranquil community of Venetian Isles. As you step onto the inviting wooden front porch, watch the summer sunrises as the home faces East! This home boasts a stunning elevated back Trex deck that seamlessly wraps around an above-ground pool, providing the perfect oasis for those hot Florida days. With no HOA restrictions, you have the freedom to bring your boats, RVs, and other recreational toys to fully enjoy your expansive space. Imagine ending your day by watching breathtaking sunsets from the privacy of your fenced backyard, right by the pool. Although the property spans a manageable 0.26 acres, it offers a spacious feel that makes every corner a useable. Eco-conscious and cost-efficient, the home comes with a septic system, well water, and a privately-owned water softener, all designed to save you money! Great large shed with electrical, window AC Unit and water hose all included with the home! Security is a priority, with Ring cameras included for your peace of mind. The kitchen has ample cabinetry, a wrap-around center island, and all stainless steel appliances, including a fridge, range, wall oven, and built-in microwave. The upgraded hood range ensures excellent ventilation, making cooking a pleasure. The master bedroom is generously sized and offers an ensuite with double vanity sinks, a separate garden tub, and a separate shower. Each bedroom features large walk-in closets, providing ample storage for all your needs. Washer and dryer are included in separate laundry room. If you're yearning for the simplicity of country living with the comforts of modern amenities, this home is your perfect match. The HVAC system is routinely serviced, ensuring everything is in top condition. Come and experience the harmonious blend of comfort and serenity in Venetian Isles. Home backs up to brown creek and national preserve. ICW is a quarter mile at the end of the road and Stokes Landing Park is just down the road. This could be the peaceful escape you've been searching for. Short-Term Rentals allowed! Also, zoned in the USDA Lending area!
Source: REALMLS #2035822
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2035822
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: #2035822
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