3770 Creek Hollow Ln, Middleburg, FL 32068
4 beds · 3 baths · 2,856 sqft sqft
Nestled in the peaceful, tree-lined neighborhood of The Ravines, this charming property sits on a spacious .48 acre fenced-in lot, perfectly blending privacy with natural beauty. Surrounded by an array of unique homes, this inviting property is just a 5-mile drive from all your shopping and dining needs, yet it feels worlds away with its serene setting. In this quiet oasis you can enjoy nightly views of starry skies and frequent daytime visits from local wildlife, including deer and wild turkeys in the spring and fall. Approaching the home, you'll notice brick accents and a welcoming patio with stately columns. The home features 34 large windows that allow ample natural light to flood the space, beautifully framing the verdant greenery that surrounds the property. Inside, the modern yet cozy ambiance is enhanced by fresh paint, new flooring, and a wood-burning fireplace that serves as the heart of the living space. Upon entering the home, you'll find a formal dining room to your right, complete with a stylish serving station, perfect for entertaining. To the left, a versatile area awaits, ideal for a secondary living space. Beyond the foyer, a convenient half bath leads into the living room, which seamlessly opens to the lanai. The eat-in kitchen is the perfect spot for morning coffee, offering lovely views of the tranquil yard. It comes equipped with stainless steel appliances, all purchased within the last three years, and plenty of cabinetry for storage. Upstairs, you'll find the owner suite, two generously sized bedrooms, and two full bathrooms, plus an oversized bonus room. This versatile space is perfect for a home office, gym, or even a playroomoffering plenty of room for customization. The outdoor space is a nature lover's dream. The fully fenced backyard includes garden boxes ready for your green thumb, with enough sun to grow the garden of your dreamspreviously used to cultivate thriving cucumbers. A cozy fire pit invites gatherings with family and friends, and for pet owners, the dog run off the lanai is thoughtfully separated from the rest of the yard, giving your pets their own space to roam. This home truly allows you to be one with nature while still offering modern conveniences and a spacious, functional layout. Whether you're enjoying the peaceful views from your windows or gathering around the fire pit under the stars, this property delivers a lifestyle of relaxation and charm.
Source: REALMLS #2049578
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2049578
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: #2049578
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