612 Bardstown St, Cantonment, FL 32533
3 beds · 3 baths · 2,634 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 612 Bardstown Street in Cantonment. Sitting in the Milestone subdivision, with it being right off Nine Mile road, you are a rocks throw from Pensacola. Step into timeless Southern charm with this stunning 3-bedroom, 3-bathroom brick home, featuring 2,634 sq ft of beautifully designed living space—plus a versatile bonus room perfect for a den, playroom, or even a 4th bedroom. From the moment you arrive, the immaculate landscaping and classic brick exterior set the tone for the care and quality that define this home. A spacious kitchen with sleek granite countertops, modern white cabinetry, a large center island, and stainless steel appliances—all tied together with beautiful pendant lighting that creates a warm, welcoming atmosphere. The open-concept layout is ideal for entertaining and family living, with natural light pouring in through well-placed windows. The bonus room offers incredible flexibility—whether you need a home office, creative space, or a 4th bedroom. Enjoy peace and privacy in the large, fenced-in backyard, perfect for kids, pets, or hosting weekend barbecues. Stroll through the community walking trail that winds through the neighborhood and connects to a well-maintained park—ideal for morning jogs or evening relaxation. Located in the desirable Milestone subdivision, this home offers both tranquility and convenience. You're just minutes from schools, shopping, dining, and everything Nine Mile road has to offer—yet surrounded by nature and community charm. Don’t miss the chance to call this beautifully maintained property your forever home. Schedule your showing today and experience the perfect balance of comfort, style, and space. Feel free to send the listing agent a text for a link to a video of the property as well!
Source: PENSACOLA #662473
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: PENSACOLA #662473
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 and Equal Opportunity Act.