404 Saint Kitts Loop, Saint Augustine, FL 32092
4 beds · 3 baths · 2,647 sqft
Stunning 4BR, 3BA Home in Windward Ranch, A Must-See! Welcome to your dream home! This 2016 Medallion floor plan is the epitome of elegance and functionality, showcasing upgrades galore. Nestled in the sought-after gated community of Windward Ranch, with a great curb appeal, this home offers a lifestyle of luxury and convenience, with NO CDD fees! Key Features: 4 BR, 3 BA, 3 Car Garage. Spacious and thoughtfully designed for modern living. Upgraded Interior: Crown molding throughout, 5.25'' baseboards, shiplap accents, and stylish lighting fixtures. Chef's Kitchen: 42'' cabinets, stainless steel appliances, and a gas range perfect for culinary enthusiasts. Enhanced Living Spaces: Built-ins in the living room and a barn door leading to the dining room with custom bookshelves. Outdoor Bliss: Paved driveway, covered and screened-in patio, with serene water views - ideal for relaxing or entertaining. Energy efficiency Natural gas for the range, dryer, water heater, and outdoor grill. Under certain conditions, an FHA assumable loan is offered to buyers with a very low interest rate. Community Perks: Windward Ranch isn't just a neighborhood - it's a lifestyle. Enjoy exclusive access to Resort-style pool, Fitness center, mini golf, tennis and pickleball courts, Playground, Secure gated entry. Situated just minutes from top rated St. Johns County schools, historic St. Augustine, World Golf Village, and premier shopping and dining, this home combines tranquility with convenience. This move-in-ready gem won't last long! Schedule your private tour today and step into the ultimate Florida lifestyle.
Source: REALMLS #2058835
All values shown are estimated costs / mo.
Source: Public records
Source: REALMLS #2058835
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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