5271 Santa Gertrudas Dr, Milton, FL 32583
3 beds · 2 baths · 1,848 sqft
Gorgeous, Peaceful Country Living - Horse-Ready Retreat on 3+ Acres! Escape to tranquility with this beautifully and meticulously maintained 3-bedroom, 2-bathroom home, perfectly situated on over 3 acres of fully fenced, horse-ready land. Built in 2011, this exceptional property boasts a 5-stall barn with automatic waterers, a hay barn, a pole barn with RV hookups, and an additional storage shed--everything you need for your horses, livestock, and outdoor lifestyle. As you arrive, you're welcomed by a charming covered front porch, the ideal spot to sip your morning coffee while soaking in the peaceful surroundings. Step inside to an expansive great room centered around a stunning fireplace--perfect for cozy evenings. The well-appointed kitchen features granite countertops, gorgeous cabinetry with extra storage, and an oversized laundry room for added convenience. French doors open to your serene screened-in back porch, seamlessly extending your living space outdoors. The split floor plan provides privacy and functionality, while the tile floors throughout ensure low-maintenance living. Outside, a screened porch and additional patio offer the perfect setting for entertaining family and friends. With a fully fenced pasture for grazing, ample storage, and a full RV hookup, this property is designed for those who love country living without sacrificing convenience. Enjoy quick access to Highway 87 and Interstate 10, all while being just 25 minutes from the sugar-white sands of Navarre Beach. Don't miss this rare opportunity to own the best of both worldspeaceful country living with modern amenities. Bring your horses, RV, and toysthis one won't last long!
Source: EMERALDCOAST #971511
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 #971511
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 of Equal Opportunity Act.