80 Union Hill Dr, Ponte Vedra, FL 32081
4 beds · 3 baths · 2,456 sqft sqft
This exquisite single-story executive home, set on a premium 50-foot-wide lot with preserve views in the front and serene water views in the back, offers an incredible opportunity in the exclusive Nocatee community. Designed with sophisticated living in mind, this stunning 4-bedroom residence includes a bedroom and bathroom upstairs for added privacy and flexibility. The home showcases designer upgrades throughout, featuring hardwood floors, soaring ceilings, elegant lighting, and an abundance of windows that bathe the interior in natural light. The gourmet kitchen is a chef's dream, boasting a large quartz island with breakfast bar, double-stacked white cabinetry, a butler's pantry, and stainless steel appliances, with the refrigerator included. Adjacent to the kitchen, the inviting living room offers vaulted ceilings with exposed wooden beams and a cozy fireplace, perfect for intimate evenings. The owner's suite is a true retreat, adorned with classy crown molding, a custom closet system, and tranquil views. The luxurious en-suite bathroom features a dual-sink vanity and a spacious walk-in shower. Additionally, the home offers a spacious office and a fourth bedroom with an attached bath, ideal for guests or teens. Step outside to your own outdoor oasis - whether relaxing on the front porch with preserve views or enjoying breathtaking sunsets from the extended screened lanai overlooking the expansive, fully fenced backyard - there's plenty of space to play, entertain, and room for a pool! Zoned for top-rated St. Johns County schools, including K-8 Pine Island Academy and Nease High School, and complete with access to world-class Nocatee amenities, this home offers a lifestyle where every day feels like a staycation. Don't miss this rare opportunity!
Source: REALMLS #2045921
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2045921
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
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.
MLS ID: #2045921
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