71 ANN SCOTT DR, Saint Johns, FL 32259
**Exciting Opportunity Alert!** **Priced to move!** Nestled in the highly desirable St. John's County, this home offers the perfect blend of comfort and convenience, located near all assigned schools—elementary through high school. As the top-rated school district in Florida, St. John's County is a coveted location for families. Built in 2017 by Richmond American Homes, this property features 5 bedrooms and 4 baths. The versatile 5th bedroom on the main floor serves as a great home office or guest room. Upstairs, the owner's suite is a serene retreat with an en suite bathroom featuring a garden tub, tile inserts, and a large walk-in shower with Frameless Euro doors. Another upstairs bedroom boasts its own en suite bathroom and walk-in closet, perfect for a teenager, mother-in-law suite, or guests. Two additional bedrooms share a bathroom with double sinks. The carpeted upper level also includes a spacious loft with natural light, ideal for a bonus room, playroom, home theater, or gym. Fresh new carpet and prewiring for sound equipment add to the home's appeal. The main floor offers a formal dining room, a butler's pantry, a large walk-in pantry, a breakfast nook, and an open-concept kitchen and living room. The expansive back porch, upgraded in size during construction, is perfect for relaxing or entertaining while overlooking the community pond. There's ample space to add a pool. The gourmet kitchen is equipped with stainless appliances, a vented hood, and a granite island. Additional features include a central vacuum system and upgraded Corian countertops in all bathrooms. The property backs up to Veteran's Parkway, offering quick access to Veteran's Park, complete with a skate park, dog park, basketball courts, soccer fields, and playgrounds. Located in the Oakridge Landing community, you'll also enjoy proximity to a community pool. The owner's suite features sound-blocking insulation for added tranquility. A 3-car garage, low-traffic street, and attic storage space accessible from drop-down stairs enhance the home's functionality. Recent updates include a fresh exterior paint job in a neutral palette and brand *new* carpet throughout. The home's immaculate tile flooring downstairs and superior energy package ensure comfort and efficiency. The kitchen features raised panel cabinets with trim, quality appliances, a range, wall oven, and superior vented hood. **We've just reduced the price on this exceptional property, making it an even better value!** The price drop is a strategic adjustment to attract the right buyer, not an indication of any issues with the home. Don't miss this chance to own a beautiful property in a prime location at an incredible value. Plan a tour today and discover why this house could be your perfect home! **Priced way below appraisal.**
You may be able to put down less than the total down payment amount of $344,339 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #2016796
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