609 Copperhead Cir, Saint Augustine, FL 32092
3 beds · 2 baths · 1,822 sqft
VA Assumable Mortgage! Luxurious Waterfront Living in the Heart of World Golf Village - A Premier 55+ Gated Community Welcome to an exceptional waterfront home that blends elegance, comfort, and an active lifestyle in one of St. Augustine's most sought-after 55+ gated communities. Located in the heart of World Golf Village, this 1,822 sq. ft. home offers breathtaking water views, modern upgrades, and access to resort-style amenities. With 3 bedrooms (including a versatile, non-conforming 3rd room), 2 bathrooms, and thoughtful design details, this property is a haven for those seeking serenity and sophistication. Whether you're hosting family, entertaining friends, or enjoying the peaceful ambiance of your lanai, this home is designed to meet all your needs. A Home Designed for Living and Entertaining From the moment you step inside, you'll be captivated by the bright and open floor plan that balances practicality with beauty. Crown molding frames each space, while large windows invite natural light to pour into the home. The elegant design flows effortlessly from the main living areas to the dining spaces and kitchen, making it perfect for entertaining or quiet evenings at home. The heart of the home is the chef-friendly kitchen, featuring a breakfast bar, cozy kitchen nook, and adjacent dining area. The enclosed lanai offers a serene space to relax, unwind, and enjoy the picturesque water views that make this home so special. This tranquil retreat will quickly become your favorite spot in the home. Flexible and Comfortable Spaces This home offers two well-appointed bedrooms, including a luxurious primary suite with an ensuite spa-like bath, complete with double vanities, a soaking tub, and a walk-in shower. Custom closet space adds functionality and style to the suite, making it a true oasis. In addition, the non-conforming third bedroom serves as a versatile bonus space. Use it as a home office, craft room, fitness area, or guest room the possibilities are endless. The flexibility of this home ensures that it adapts to your lifestyle. Upgraded Features for Modern Living This home has been meticulously maintained and thoughtfully upgraded to enhance your quality of life. Key features include Solar System: Energy-efficient solar panels reduce your energy bills while being environmentally friendly. Central Vacuum System: Simplify cleaning with the convenience of a built-in central vacuum system. Water Softener: Enjoy better water quality for everyday use and extended appliance life. Crown Molding: Elegant details throughout the home add a touch of sophistication. Roof (Approximately 6 Years Old): Offering durability and reduced maintenance costs. Transferable Termite Bond: Peace of mind with additional home protection. The home is truly move-in ready, and the seller is offering a carpet allowance with an accepted offer to make it even more personalized for the next owner. Plus, qualified buyers may take advantage of a VA assumable mortgage, offering an exceptional financial opportunity. Resort-Style Living with Premier Community Amenities This home is more than just a residence it's a lifestyle. As part of a vibrant 55+ gated community, you'll enjoy a range of amenities designed to keep you active, engaged, and connected: Indoor Heated Pool: Perfect for year-round swimming and water fitness. Tennis and Pickleball Courts: Stay active and enjoy friendly competition with neighbors. Billiards Room: A great space to relax and socialize. Walking Trails: Take leisurely strolls through beautifully landscaped paths. Clubhouse: The heart of the community, offering activities, events, and opportunities to connect with fellow residents. The gated entrance provides an added layer of security and privacy, creating a peaceful and welcoming environment. Unbeatable Location in World Golf Village Nestled in the heart of World Golf Village, this home offers easy access to everything you need. The surrounding area is filled with conveniences and attractions, including World-Class Golf Courses: A golfer's paradise, with some of the best courses right outside your door. Shopping and Dining: From boutique stores to local cafes, you'll have a variety of options nearby. Parks and Outdoor Spaces: Enjoy scenic parks, walking trails, and outdoor recreation. Historic St. Augustine: Just a short drive away, explore the rich culture and coastal charm of this iconic city. Major Highways: Convenient access to I-95 ensures easy travel to Jacksonville, Daytona Beach, and beyond. Living here means combining the tranquility of waterfront living with the excitement of nearby attractions, all while enjoying the warm Florida sunshine. Why This Home is a Must-See This home is the perfect choice for those looking to downsize, retire in style, or enjoy the perks of an active, resort-style lifestyle. Its combination of luxurious upgrades, breathtaking water views, and access to world-class amenities makes it stand out from the rest. Whether you're relaxing on the lanai, enjoying a game of pickleball, or exploring nearby historic St. Augustine, this home offers the best of Florida living. The VA assumable mortgage option and seller incentives make it even more appealing for the right buyer. Schedule Your Private Tour Today Don't miss the chance to call this stunning waterfront property your new home. With its exceptional features, unbeatable location, and vibrant community, it's more than just a house it's a lifestyle. Contact us today to schedule your private tour and experience the magic of World Golf Village living firsthand.
Source: REALMLS #2066769
Send questions to support@withroam.com
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 #2066769
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.