56 St Croix Island Dr, Saint Augustine, FL 32092
5 beds · 3 baths · 2,955 sqft
Prior model home featuring a finished air-conditioned garage and storage room perfect for a game room! Unwind in this exquisite two-story home in the highly desirable Glen St Johns community! Step inside to a grand entryway with a staircase and inviting foyer. The open-concept kitchen is ideal for entertaining and seamlessly flows into a spacious living area, perfect for cozy nights by the fireplace. Enjoy a very spacious formal dining room perfect for entertaining or creating your dream home office. The main level features a bedroom and full bathroom ideal for overnight guests or a private in-law suite. Upstairs, your primary retreat awaits featuring a beautiful ensuite bathroom and two walk-in closets. Three additional bedrooms and a full bathroom complete the upper level, offering ample space for family or hobbies. This beautiful gem boasts tranquil pond views providing the ideal backdrop to create lasting memories. * Seller willing to negotiate new roof. Location, Location, Location! When needing to venture out of the community, Glen St. Johns makes it easy. Located in a prime location close to CR210 and I-95, Glen St. Johns location makes for a quick drive to shopping, dining, and entertainment. Just around the corner is historic St. Augustine Florida, founded in 1565 it earns the title of the nation's oldest city. Historic downtown St. Augustine is full of entertainment options, unique shops, superb dining, and great sightseeing spots. A few popular attractions are Ripley's Believe it or Not Museum, the Alligator Farm Zoological Park, Fort San Marcos-the oldest fort in the country, horse drawn carriage rides, and ghost tours. Also only a short drive away is the World Golf Village which boasts excellent golf courses, a golf museum, IMAX theater, and great shopping. North of St. Augustine and Glen St. Johns sits Jacksonville Florida. Jacksonville is only a thirty minute drive and provides a NFL team The Jacksonville Jaguars, an international airport, a first-class zoo and gardens, and excellent shopping, dining, and nightlife. Top School District Residents also benefit from the highly acclaimed St. Johns County School District. Schools in the St. Johns district routinely earn "A" ratings for student's high achievements on the FCAT state test. Schools have been ranked in the top for the state and the country. Zoning for Glen St. Johns includes Liberty Pines Elementary, Liberty Pines Middle, and Bartram Trail High School. St. Johns county offers excellent private school options as well.
Source: REALMLS #2029368
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2029368
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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 “Get Notified” 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 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.
MLS ID: #2029368
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