491 SPLIT OAK RD, Saint Augustine, FL 32092
Indulge in the epitome of luxury and sophistication with this breathtaking D.R. Horton home, featuring the highly sought-after Destin plan with the Key West Elevation. Nestled in a serene cul-de-sac within the prestigious Trailmark Community of St. Johns County, this residence offers unparalleled elegance and modern amenities, all within a prime location zoned for top-rated schools. With an Expansive Layout, Boasting approximately 2,400 sq ft of thoughtfully designed living space, this home features an open floor plan that seamlessly integrates functionality with opulence. 4 bedrooms generously proportioned bedrooms and 3 beautifully appointed bathrooms provide ample space for relaxation and privacy. Can you say Gourmet Kitchen? This chef's paradise includes double built-in wall ovens, a premium gas cooktop, luxurious "Charcoal" cabinetry, soft-close drawers for pots and pans, elegant Quartz countertops, a stylish tile backsplash, an apron sink, and pendant lighting. A large island and custom pantry cabinets enhance both style and utility. The Owner's Suite will not disappoint! Providing a sanctuary of tranquility with a picturesque bay window, a frameless glass shower, and an expansive walk-in closet offering abundant storage. Complete with Luxurious Finishes such as Grey "Hardwood" tile flooring throughout the main areas exudes sophistication, complemented by updated matte black faucets and door knobs. A custom-built driftwood barn door and a grand indoor electric fireplace with bespoke cabinetry add unique touches of refinement. Embrace the future with all the Smart Home Integrations which include smart locks, a smart microwave, a smart refrigerator, a smart thermostat, and smart garage doors. Smart LED lights and bulbs throughout the home provide customizable ambiance. We can't forget about the Enhanced Security & Convenience of this home! A comprehensive hardwired camera system with a 1TB hard drive, an integrated home stereo system with indoor and outdoor surround sound, and a state-of-the-art smart irrigation system ensure peace of mind and ease of living. Additional Features include, Motion detector light switches in key areas such as bathrooms, pantry, and laundry room, along with Bluetooth lighted mirrors in the master bathroom, further enhance comfort and functionality. As you walk outside to your Outdoor Oasis, imagine the entertaining you will do with the new Outdoor Kitchen (In Progress & Estimated to be completed prior to closing): Really An outdoor chef's dream, featuring a 40-inch Lion grill with rotisserie, ceramic heating tiles, and sear burner components. Includes a custom-built 36-inch Blackstone hibachi table, Pit Boss Pro pellet smoker, pellet pizza oven, and Lion refrigerator. Two custom stainless-steel counters with nylon cutting boards offer ample prep and storage space. A custom bar top fireplace feature, natural gas setup, and strategically placed outlets elevate the outdoor experience. Roughly $80,000 in upgrades! But the fun does NOT stop at the outdoor kitchen! Dive into luxury with a heated 14x30 Latham Fiberglass chlorine pool, complemented by a Bromine hot tub and a large outdoor deck perfect for sunbathing and non stop entertaining. But don't forget to take a rinse in your very own outdoor shower with both hot and cold water before diving into your private pool. Enjoy the shade of a screened lanai with three window sliders and a custom pool door. We didn't forget about those furbabies! Keep them safe with the the fenced yard, and gates on both sides for easy access. Hide those unsightly trash cans behind the extra-large custom storage wall provides which provides ample space for outdoor essentials. And keep that lawn lush with a sophisticated smart irrigation system. We can't forget to mention the Trailmark Community Amenities! With Exceptional Community Features and Access to a state-of-the-art fitness center, a sprawling resort-style pool with interactive water features, a camp-house designed for entertaining, diverse sports courts, a children's playground, expansive playfields, pickleball courts, scenic walking and cycling trails, and a convenient kayak launch. It is RARE to find a large lot pool home in this beautifully designed Trailmark Community! Schedule your private tour NOW! *Buyer's responsibility to perform all due diligence and investigation regarding Buyer's purchase of the Property, including the measurement of or confirmation of square footage of the Property Square Footage.
You may be able to put down less than the total down payment amount of $139,457 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2037850
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