566 Porta Rosa Cir, Saint Augustine, FL 32092
4 beds · 3 baths · 2,423 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Discover serenity and style in this 4BD/3BA POOL home with Fully Fenced back yard in sought after St John's Murabella neighborhood. Home built in 2012 by Southern Lifestyles. Tropical Palms and foliage with stone accents greet you. Walk into the Interior which boasts grand archways with Tile/LVP flooring throughout. Office and formal dining room with crown molding. Gourmet kitchen overlooks family room and pool which hosts granite countertops, tile backsplash, osmosis system, huge island, coffee station, pantry, black appliances lots of storage. Split floor plan with two bedrooms and a bath on one side of home, Master on other side. Loft/bedroom with full bathroom upstairs. Master suite has trey ceilings, and luxurious bathroom with shower and garden tub, vanity with two sinks. Walk out to the back yard and see your beautiful swimming pool with new bottom screens, pavers, and waterfall for serenity. Outside the pool area is a walkway to fire pit to enjoy your outside living. Whole house intercom system with radio. Gutters on front and back of house. Outside speakers in pool area, Pool equipment covey! Water softener installed 2019, Water Heater installed 2021, New pool chlorinator 2025, New pool motor 2025. One year home warranty included. Seller will pay 5,000 towards closing fee's or carpet allowance with acceptable offer. Resort Amenities, Residents' Clubhouse, Fitness Center, Children's Playground, Super Pool with Waterslide Tower and Lap Pool, Tennis Courts, Multi-purpose Sports Court, Softball Diamond, Soccer Field, and Volleyball Courts Close to grocery, dining, healthcare, beaches, and downtown historical area. A short drive to Costco, Bucee's, I-95, and top-rated St. Johns County school.
Source: REALMLS #2074716
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: REALMLS #2074716
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.