442 Windchime Way, Freeport, FL 32439
3 beds · 3 baths · 2,249 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled in the highly sought-after Hammock Bay community in Freeport, FL, this stunning 2,249 sq. ft. home offers three bedrooms, two and a half bathrooms, a bonus room, and one of the largest backyards in the neighborhood. Backing up to serene wooded land, this property provides unmatched privacy, creating the perfect escape while still being part of a vibrant and amenity-filled community. The expansive backyard offers endless possibilities for outdoor living. Whether you envision a custom pool, a play area for kids, or a garden retreat, this oversized space provides ample room to create the backyard oasis of your dreams. Host family barbecues, set up a fire pit for cozy evenings, or simply enjoy the peaceful views of the natural surroundings. Just a short walk away, you'll also find a dog park making it easy to let your furry friend run and play in a safe and fun environment. Inside, the home is designed for both style and functionality, featuring an open-concept layout with a spacious living area that flows seamlessly into the dining spaceperfect for hosting gatherings or enjoying everyday life. The versatile bonus room offers endless possibilities, whether you need a private home office, a playroom for the kids, or a cozy media room for family movie nights. It can also serve as a guest room, hobby space, or personal gym, adapting effortlessly to fit your lifestyle needs. The kitchen is a dream, complete with stainless steel appliances, including a refrigerator, ample counter space, and elegant cabinetry. Durable vinyl flooring runs throughout the home, with tile in the kitchen, bathrooms, and entryway for easy maintenance. The master suite is a true retreat, offering a large ensuite bathroom with a soaking garden tub, a separate walk-in shower, dual vanities, and two spacious walk-in closet. Whether you're starting your day with a refreshing shower or unwinding with a relaxing soak, this spa-like bathroom provides the perfect space to recharge. What truly sets this home apart is its location within Hammock Bay, one of the most luxurious master-planned communities in the area. Unlike standard neighborhoods, living here means having access to exclusive resort-style amenities that most people would pay a premium for elsewhere. Spend your weekends lounging at two zero-entry pools that rival those of a five-star resort, or stay active at the fitness center,no gym membership required! The massive 10,000 sq. ft. clubhouse offers a grand space to unwind, while the rentable event center is perfect for hosting private celebrations. For those who love sports and outdoor activities, Hammock Bay has it alltennis, pickleball, and basketball courts, a movie theater, miles of hiking and biking trails, and a massive playground. The nearby Freeport Sports Complex provides even more recreational opportunities for all ages. Perhaps the most breathtaking feature is the spectacular bay front clubhouse, where a screened-in back porch offers stunning views over the Choctawhatchee Bay, making for an unforgettable sunset experience. With its expansive backyard, spacious interior, and access to world-class amenities, this home is a rare find in Hammock Bay. Schedule your showing today!
Source: EMERALDCOAST #969531
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: EMERALDCOAST #969531
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.