78 Cameron Dr, Ponte Vedra, FL 32081
4 beds · 3 baths · 3,470 sqft
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Discover the Nocatee Lifestyle in this Stunning Monroe Floorplan - A Rare Opportunity! This meticulously designed one-story Ranch-style home is situated on an 80-foot lot with 0.26 acres in the highly desirable Greenleaf Village and is zoned for the esteemed K-8 Valley Ridge Academy. As you step inside, you'll be immediately impressed by the attention to detail and the inviting warmth that make this home truly special. Offering 4 spacious bedrooms and 3 full bathrooms, the residence includes a formal dining room with elegant barn doors and a generously sized primary suite with a dedicated office space, complete with built-in cabinetry. The primary bath is an oasis, featuring a standalone tub and a large walk-in shower with dual showerheads. The bathroom seamlessly connects to the custom closet and laundry room, providing an ideal level of convenience. Two bedrooms are connected by a Jack-and-Jill bathroom, showcasing a newly updated walk-in shower, while the fourth bedroom offers an en-suite bath, perfect for guests. The chef-inspired kitchen is expansive and seamlessly integrates with the family room and dining area, creating an ideal setting for entertaining. Highlights include elegant white cabinetry, a gas cooktop, an oversized food prep island, a new KitchenAid dishwasher, a butler's pantry, and a large walk-in pantry. Additional features include luxury vinyl plank (LVP) flooring throughout the main living areas and primary suite, board and batten accents, tray and coffered ceilings, and an exceptional outdoor living space with an extended paver patio and firepit. The home also boasts a spacious laundry room with cabinetry and a sink, custom closets, ample storage throughout, and a three-car garage. This exceptional home offers both luxury and convenience, and is waiting for you to move in and enjoy. ALSO A SPECIAL BENEFIT FOR THE BUYER: The Property Taxes are waived for 2025! The buyer will only be responsible for pro-rated CDD fees and non-ad valorem taxes at closing. The full tax bill will not be issued until 2026, providing a significant benefit to the buyer! Experience the Unmatched Amenities of Nocatee! Nocatee offers an unparalleled lifestyle with a wide range of amenities designed for all ages and interests. Highlights include: Splash Water Park featuring the thrilling Rip Tide Slide, Lazy Tides River, Splash Cove, lagoon pool, a 330-foot zip line, and a swim club pool. Fitness Club with state-of-the-art cardio and weight equipment, free weights, and fitness classes. Greenway Trails, perfect for hiking and biking, spanning approximately 2,400 acres of stunning natural beauty along a 3.5-mile stretch of the Intracoastal Waterway. Dog Parks catering to your furry friends. Spray Park located behind the Nocatee Swim Club, offering even more water-filled fun for all. Nocatee continues to grow and enhance its offerings, with recent updates and expansions to the Splash and Spray Parks. With countless activities, stunning natural surroundings, and a strong sense of community, Nocatee is truly a wonderful place to call home.
Source: REALMLS #2071604
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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 #2071604
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.
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.
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