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4430 Winners Gait Cir

Milton, FL 32571

4 beds · 4 baths · 2,918 sqft

$490,000

$2,577/mo at 4% with Roam

$3,273/mo at 7% with a bank loan

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About this home

Welcome to Winners Gait, where craftsmanship, modern features, and a prime location converge to create the perfect home for you and your family. This stunning 4 bedroom + office, 3 1/2 bath home for sale is custom built and nestled in a great neighborhood, just steps away from the picturesque Benny Russell Park and the convenience of Publix. As you enter this exquisite home, you'll immediately notice the attention to detail and quality in its elegant Craftsman style. The spacious and open floor plan is perfect for both entertaining and everyday living. The heart of this home is the huge modern kitchen which boasts an abundance of cabinets for all your storage needs, along with gorgeous modern granite countertops, a huge island, and a walk-in pantry. Whether it's a quick breakfast in the cozy breakfast area or a family gathering at the hop-up bar, this kitchen has you covered. In addition to the formal dining room, there's also plenty of room to host larger dinner parties or holiday gatherings. Every inch of this home has been thoughtfully designed to cater to your needs and provide the utmost comfort and convenience. As you make your way to the bedrooms, you'll find that each one is spacious and offers a tranquil retreat for rest and relaxation. The 4th bedroom is a versatile space that can serve as a guest suite with its own bathroom, or a home office. The owners have even transformed the den into a fun and functional kids' playroom, showcasing the flexibility of this home. Aside from the stunning interior, you'll find that this home boasts impressive features such as crown molding, recessed lights, a sprinkler system, gutters and beautiful LVP flooring throughout. But that's not all, step outside onto the huge back porch and envision yourself indulging in peaceful evenings or hosting BBQs with friends and family. Don't miss your chance to make this dream home yours.

Source: PENSACOLA #655748

2,918 sqft
0.24 acres
Single Family
Built in 2017

Neighborhood
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FAQs

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Apr 14, 2025 07:59 pm
Listing provided courtesy of: EXP Realty, LLC (888) 883-8509
Details provided by PENSACOLA and may not match the public record.
MLS ID: #655748
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of Pensacola Association of REALTORS®, Inc. IDX information is provided exclusively 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. Real estate listings held by brokerage firms other than Roam Brokerage, LLC are governed by the PAR Rules and Regulations and detailed information about them includes the name of the listing companies. Information herein is believed to be accurate and timely, but no warranty as such is expressed or implied. Copyright © 2025 Pensacola Association of REALTORS®, Inc. All Rights Reserved.
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