3612 Pariana Ln, Jacksonville, FL 32222
2 beds · 2 baths · 1,777 sqft sqft
Tucked away on a quiet cul-de-sac street in the highly sought-after Oakleaf Plantation community, this low maintenance home offers the perfect blend of elegance and convenience to enjoy 55+ active-adult living. Step inside to discover a spacious open-concept layout that seamlessly connects the living areas, creating a warm and inviting home ideal for everyday life and entertaining friends and family. This energy-efficient Clifton model offers 2 bedrooms, 2 bathrooms with comfort height vanities and toilets, flex room or office, dining area, large laundry room and 2-car finished garage. The kitchen is equipped with a generously sized California-style island, upgraded quartz countertops, stainless appliances and plenty of cabinets and counter space. The spacious owner's suit provides ample room for a king-sized bedroom set and is complemented by an elegant bathroom featuring an oversized walk-in closet, double-sink vanity, tiled walk-in shower and linen closet. The outdoors is set up to enjoy relaxing mornings or peaceful evenings on the 9x18 screened lanai and 10x20 extended paver patio with pergola, plant hangers and misters. The nicely landscaped and fully fenced backyard offers privacy and a secure space for your fur babies. The Arbor Mill community features an active-adult lifestyle, NO CDD fees, low HOA fees, lawn care covered by the HOA, gated entrance, an amenity center with pool, picklelball, fitness center, covered pavilion, bocce ball court and Lifestyle Director to help residents meet neighbors, stay active and make new friends. Further embrace this home and the Oakleaf Plantation lifestyle by enjoying a warm sense of community and everything else needed for an exceptional quality of life!
Source: REALMLS #2047425
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2047425
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2047425
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