6416 Grey Heron Dr, Milton, FL 32583
1 beds · 2 baths · 1,025 sqft
Waterfront Retreat in Dickerson City – Stunning Views & Modern Comfort Experience the beauty of waterfront living in the desirable Dickerson City community on East Bay. Wake up to breathtaking sunrises and enjoy your morning coffee from the front covered porch or the spacious lower-level patio. This beautifully upgraded home offers a seamless blend of comfort, style, and functionality, making it perfect for year-round living or a relaxing getaway. Interior Highlights: • Open-concept living with all-new laminate flooring (updated within the last two years). Total square footage is upper level only. Additional square footage in lower level. • Custom-built kitchen featuring soft-close cabinets and drawers, quartzite countertops, and stainless steel appliances. • Expansive master suite with a luxurious master bath, double quartz vanity, tiled shower, soaking tub and walk-in closet. • Convenient half-bath for guests with a stylish quartz vanity. • Fully enclosed lower level with AC & heat, three versatile rooms, a full bath, and a shower—ideal for additional bedrooms, media room, weight room, game room, or bar area. Outdoor & Additional Features: • Motorized lift for easy accessibility. • Two spacious lots totaling 0.8 acres with ample parking for 6+ cars, a boat, or an RV (includes a hookup). • Lean-to at the back of the home, perfect for storing lawn equipment, tools, a boat, jet ski, or kayak. • Charming mancave with AC & heat—great for guests or a private retreat. Water is already connected outside, making it easy to add indoor plumbing for the existing bath, shower, and kitchenette. • Public boat ramp nearby for easy access to the water. Recent Upgrades: • New roof (2021). New HVAC (2024) • Freshly painted exterior trim (2024) • Two hot water tanks • AC & heat in lower level & mancave. This waterfront oasis is perfect as a primary residence, vacation home, or seasonal retreat for snowbirds. Pre-qualification required for showings. No contingencies.
Source: PENSACOLA #660840
Interest rate and monthly payment estimated based on public records.
Source: PENSACOLA #660840
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.