4122 SW Old Wire Rd, Fort White, FL 32038
4 beds · 2 baths · 2,280 sqft sqft
This stunning 4-bedroom, 2-bathroom home, spanning 2,280 square feet, is set on 8 fully fenced acres, offering an ideal balance of space, privacy, and comfort. The property features a desirable split floor plan with a cozy living room, a family room complete with a wood-burning fireplace, and a separate dining area. The chef’s kitchen is equipped with a striking range hood surround, a built-in computer desk, a walk-in pantry, a breakfast bar, and all-new appliances—including a refrigerator, stove, washer, dryer, sink, and faucet—installed in 2023 and backed by a 3-year warranty. The expansive owner’s suite is designed for ultimate relaxation, featuring a luxurious en suite bathroom with custom his-and-hers vanities, a makeup vanity, and a whirlpool tub with a built-in bookshelf for the perfect soak. Additional interior highlights include LED lighting throughout, wood blinds on every window, and ceiling fans in every room, including a paddle fan added to the front deck in 2024. Outdoor living is a dream with a covered front deck and rear porch, both added in 2020, perfect for watching serene sunsets. The property also boasts practical upgrades like a metal shed/workshop with power (2018), a carport, seamless gutters (2024), and a Mighty Mule electronic gate (2021). Additional improvements include a metal roof (2019), an AC system (2017), newer plumbing, toilets, and bathroom faucets (2023), and a gravel driveway (2022). For added convenience, the private well taps directly into the pristine spring water of the Ichetucknee water basin, offering high-quality water straight from the source. At An additional price and an acceptable offer, the sale includes a 60" zero-turn Husler Super Z Commercial mower 35HP with Flex Fork, roof and hitch, a Coleman 550 UTV, and a 52" lawn sweeper, TVs, and all furniture—simply bring your personal belongings and move right in! Conveniently located near Ichetucknee Springs State Park, the Santa Fe and Suwannee Rivers, Columbia City Park, and Oleno State Park, this property offers a peaceful rural lifestyle with easy access to outdoor recreation and I-75 for quick travel options.
Source: STELLAR #gc525072
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #gc525072
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 30-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: #gc525072
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.