46 Iris Creek Dr, Saint Augustine, FL 32092
4 beds · 3 baths · 2,730 sqft
Unrivaled Modern Waterfront Luxury in Silver Landing. Step into a 2024 timeless elegance at 46 Iris Creek, where breathtaking panoramic water views & mesmerizing sunsets create an enchanting backdrop to this exquisite waterfront sanctuary. Nestled in the coveted Silverleaf, this custom-designed 4-bedroom estate blends sophistication, comfort, & cutting-edge luxury in every detail.Designed with the high-end buyer in mind, the Ortega floor plan by Riverside Homes spans an impressive 2,730 square feet of artfully crafted living space. Soaring 12-foot ceilings & floor-to-ceiling windows bathe the interiors in natural light, offering a seamless indoor-outdoor flow & unparalleled lagoon views from nearly every room. Beyond the grand entry, a private bonus room with double glass atrium doors invites possibilities—ideal for an executive office or stylish lounge. The expansive owner's suite is a retreat unto itself, featuring rich wood floors, a spa-inspired ensuite with a freestanding soaking tub, dual sinks and a oversized walk-in closet along with 10-foot ceilings with intricate crown molding. Showcasing the Ultimate Entertainer's Dream, the gourmet chef's kitchen is a culinary's masterpiece, presents sleek quartz countertops and backsplash, a premium gas cooktop, and a 72-inch Bosch refrigerator along with designer modern pendant lighting. Entertain in style with a Sharpe gourmet microwave drawer, double ovens, a custom hood, and extended 42-inch soft-close cabinetryall designed for effortless luxury. The open concept kitchen, flows into the Florida Room, where indoor-outdoor living reaches new heights. This stunning space has an entertainment bar, perfect for hosting unforgettable evenings. Whether you're serving cocktails, curating a wine collection, or crafting the ultimate coffee bar, this sophisticated built-in feature elevates every gathering. Every detail is designed for Elevated Living, Porcelain tile flooring that mirrors natural wood, wired for surround sound and Spray foam insulation for ultimate efficiency, Custom window treatments and upgraded modern lighting, wiring for Smart home security and wiring for exterior cameras, Tankless water heater and whole-home water softener. For those who love entertaining, a pre-plumbed gas and water line awaits your dream summer kitchen, while the spacious three-car garage ensures ample room for prized vehicles and storage. This is more than a homeit's a statement of prestige, luxury, and effortless waterfront living. Experience the best view on the lagoon!
Source: REALMLS #2078887
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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
Source: REALMLS #2078887
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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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