68 Vineyard Way, Saint Augustine, FL 32092
4 beds · 4 baths · 4,021 sqft
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This 2-year-old Adalyn Plan by David Weekley in the resort-style Shearwater community has numerous upgrades. Featuring four extra-large bedrooms w/four full bathrooms, two upstairs and two on the main level, including a master-on-main, with a gorgeous en-suite and luxurious custom closet. A huge Retreat/Flex Room provides versatility, serving as a potential fifth bedroom, guest area, TV/playroom, or movie room. And a separate office with glass French doors. This property also includes a three-car garage and a spacious yard, ideal for hosting gatherings. The gourmet kitchen is equipped with 42-inch soft-close cabinets and a chic tile backsplash, along with stainless steel smart appliances, a natural gas cooktop, wall oven, microwave, refrigerator, vent hood, and even a wine cooler, all complemented by a walk-in pantry. The abundant natural light highlights the beautiful island with a breakfast bar and a formal dining area. Indulge in your expansive 300 SqFt lanai and spacious backyard. The expansive primary suite, featuring a king-sized layout, is conveniently located on the first floor. It includes a luxurious en-suite bathroom equipped with a garden tub, a separate shower, stylish dual vanities, and a custom closet system. For added convenience, there's a cleverly placed storage closet under the stairs and a well-lit walk-in attic storage area upstairs, providing ample storage. A seamlessly integrated Klipsch surround sound speaker system and a uniquely designed accent wall enhance the family room. On the second floor, you'll find three additional bedrooms, one of which could serve as a second primary suite with its own en-suite bathroom. A fourth full bathroom is centrally situated in the loft area. A versatile flex room with closet shelving and a TV wall outlet with a wire chase offers various use options, such as a game room, an upstairs den, or a potential fifth bedroom. This home has energy-efficient and low-maintenance features, including a tankless water heater, a sprinkler system, recessed lighting, attic lighting, smart appliances, and Sentricon and Taexx pest control systems. Additional highlights include a dual-zone Carrier HVAC system, a laundry room with a deep sink and connections for both gas and electric dryers, and a mudroom at the garage entrance, all enhanced with built-in cabinetry. The three-car garage is also plumbed for a water-softener loop and drain, with textured concrete floors leading to a triple-wide paver driveway. Soffit outlets under the eaves offer a convenient way to connect holiday lights without the hassle of extension cords. This impressively spacious home is further enhanced by a generous 10' x 30' rear lanai, with a gas connection for outdoor entertaining and a large backyard! Shearwater captures the essence of the motto "Life is Better Outdoors!" With 15 miles of breathtaking nature trails and 13 unique routes to explore, you'll be surrounded by stunning, well-preserved scenery. Members enjoy exclusive resort-style amenities that offer a range of exciting activities for all ages. The Kayak Club features a lagoon-style pool, a multi-lane lap pool, a thrilling three-story waterslide, and tennis courts. The Kayak Launch provides easy access for paddling straight to the St. Johns River. Outpost Adventure Park takes outdoor fun to the next level with attractions like a hilltop slide, a zipline, and a cozy firepit under an open-air pavilion. You can relax and drift along The Lazy Bird River at your own pace. The Fitness Lodge is more than just a gym; it offers both solo workout options and lively group classes, all equipped with the latest cardio and strength training equipment. Whether you're just starting out or a seasoned player, you can improve your tennis game on four illuminated Har-Tru courts. Plus, there are two wonderful dog parks for your furry friends to enjoy, and a community garden where you can grow your own fresh fruits and vegetables. Like New - Why wait for new construction? This prime location features an outstanding golf-cart community, conveniently located near top-rated schools like Timberlin Creek Elementary and K-8 Trout Creek Academy, along with an A-rated high school just minutes away. This home is move-in ready and currently available for immediate sale, attractively priced at under $235 per square foot! The Seller is also providing a $5,000.00 decorating allowance to cover minor repairs, contingent upon a full-priced offer.
Source: REALMLS #2066678
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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 #2066678
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.
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