84 SAN TELMO CT, Saint Augustine, FL 32095
Make your next move a reflection of lifestyle in this stunning 5-bedroom, 4-bathroom home in the highly sought-after Palencia Community. It's the Kingsley III floor plan built by Lennar Homes in 2018. This home has every imaginable upgrade and the attention to detail is unmatched. Some of the upgrades include 8' interior doors, a gourmet kitchen with quartz counter tops, 42'' Espresso cabinets, stainless steel appliances, a 5-burner gas range, double ovens, resplendent wood plank ceramic tile in common areas a tankless water heater and a water softener. The primary bedroom is large, on the ground level and has tray ceilings and a large walk-in closet. The primary bath has double sinks, an oversized soaker tub and an elegantly designed expansive shower. A private commode room features a bidet feature. There is another bedroom and a full bathroom also located on the ground level. The kitchen is large, clean and uncluttered with ample counter seating which doubles as prep and dining space. It features a double pantry, butler station and lots of pull outs. It will delight the finest of chefs. The lavish dining room is perfect for entertaining family and friends. The expansive living area has a modern flair and gives guests plenty of seating options. Put up your feet, toast and relax upstairs in the open loft adjacent to 3 bedrooms and two baths. All the bathrooms in the home feature a bidet feature. An additional, cozy office space with built-ins, a Dutch door and a window is perfect for homework or work-from-home fostering a sense of togetherness and comfort upstairs. The 3-car garage/man-cave has Epoxy finished floors and provides abundance space for extra storage. The exterior upgrades include a paved driveway and a paved and screened lanai. The sellers extended the pavers in the backyard for a private, splendor backyard getaway. It is fully fenced with fruit trees such as a Florida peach tree and a Meyer lemon tree. All this offered with an A-Rated Elementary school, supermarket, shops and restaurants. Palencia's amenities include a state-of-the-art golf course, clubhouses, swimming pools, a fitness center, tennis courts, pickle ball courts, walking trails and more.
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: #2027676
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