4082 Chickadee St, Milton, FL 32583
4 beds · 2 baths · 2,106 sqft sqft
POOL HOME!! SOLAR PAID OFF and a whole house generator!! This marvelous 4-bedroom 2-bathroom gem is located in the idyllic setting of Milton. This stunning property astonishes with an array of bespoke modifications and top-notch amenities, all of which are bound to catch the discerning seeker's eye. Enter the immersive universe of this beautiful dwelling through a large foyer setting the tone for a home where attention to detail knows no bounds. Fix your gaze on the luxurious LVP flooring that spans all the main living areas, adding a touch of elegance to your everyday life. Rediscover your passion for culinary exploration in the well-appointed kitchen boasting gleaming quartz countertops and a granite sink. The tastefully custom shelving in the pantry ensures maximum usage of space, leaving ample room for all your gourmet supplies. Imagine yourself retreating into the master suite after a long day, greeted by custom-designed closets that add a layer of sophistication and practicality to your personal space. A similar touch extends to the front bedroom closet, exhibiting the thorough planning put into every nook and cranny of this house. Outside, you will be enamored with the fully enclosed heated saltwater pool - your own personal oasis with a covered patio with 2 new ceiling fans, where you can unwind and enjoy the sun-kissed weather of Florida. For you to relish green lawns throughout the year, the property is equipped with an efficient sprinkler system. When it comes to energy efficiency, this property asserts its lead with paid-off solar panels and a whole house generator taking homeowner power independence to a new peak. Combine this with a UV light system installed in the HVAC for improved air quality, making this a true haven for its occupants. The garage hasn't been overlooked either, as it is fitted with overhead storage racks for easy organization.
Source: PENSACOLA #651856
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #651856
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: #651856
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.