385 Broomsedge Cir, Saint Augustine, FL 32095
4 beds · 3 baths · 2,027 sqft
This is the one you've been searching for! An immaculate 4 bedroom, 3 full bath house, with an amazing split floor plan. The private master en suite is situated in the back of the house, overlooking your gorgeous, fenced in backyard. You'll save money and time with all of the upgrades on this one: New lighting, bath fixtures, privacy fence, Sharkcoat flooring inside the finished garage (perfect for a home gym!), an active/transferable termite bond, fresh paint, water softener, expanded paver driveway, and absolutely zero carpet in the house, with beautiful new MVL flooring in every bedroom. Step out onto your screened lanai through slider doors into your huge backyard (perfect size for a pool!) with a beautiful fire pit and gorgeous new shed. This house is perfectly situated for easy access to a brand new K-8 school just down the street inside the neighborhood, a brand new high school less than five minutes away (A rated St John's County schools!), a BJ's is right around the corner, and you're less than 20 minutes to Micklers Beach. This house has location, charm, and has been lovingly maintained. Plus, it comes with an assumable VA Loan! Who wants to wait for new construction and all the upgrades have been done for you - All it needs is you! Seller is offering a one year Buyers Warranty with Home Purchase for ease of mind and if using preferred Lender, there is a lender credit towards closing costs. Here are Additional features of the Broomsedge Circle Retreat - Widened driveway to allow two cars to park side by side AND open the doors - Water softener - Shark Coat Garage floor - New exterior garage lights - Finished Garage with shelving and cabinetry - Entire home freshly repainted interior - Cabinetry and shelving added to laundry room - Drop and Go Feature wall - Two Updated bathrooms with new hardware, fixtures - All new Luxury Vinyl Plank flooring in all bedrooms - Solid brass kitchen faucet and cabinetry hardware - Shiplap Feature on kitchen island - Shiplap Feature wall in guest rooms - Ceiling fans/Lights in all bedrooms + Family room - Extended back paver patio with fire pit - Brand new 8'x12' TuffShed - Citrus and Peach Trees in backyard - Privacy Fence with dual side entry options - Full Gutter system installed - Drop down attic ladder + extended attic storage space Standard home features include: - RING doorbell system - Whole house WIFI extender - Plantation blinds on all windows - 9 foot ceilings and 8 foot doors in all rooms - Pre-wired for HabiTech security system - Ceramic wood-look tile flooring throughout common areas/halls - Slider glass doors to patio - Sprinkler systems in front/back hooked up to reclaimed SJC water system Neighborhood Features: - Pool with gym - 3 community playgrounds - Lake with dock, kayaks, fishing coming soon!!! - St. Johns County Park slated to break ground right next to the brand new K-12 - Brand new K-12 opened inside neighborhood August 2024 - Brand new Beachside Highschool right across the street inside Beachwalk - Memberships available at surrounding Beacon Lake, Beachwalk and Nocatee communities - BJs just opened around the corner - Easy access to I-95, 9B and 295 - 20 minutes to Micklers beach - Less than 15 minutes to Costco - Perfect location to get to both Old St. Augustine and downtown Jacksonville in a quick drive
Source: REALMLS #2076414
Financials
Source: REALMLS #2076414
Source: Public records
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%. 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.
Other resourcesWhat 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.
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