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8622 Old Jefferson Hwy

Woodbine, GA 31569

3 beds · - baths · -- sqft

$1,195,000

$2,718/mo at 2.375% with Roam

$3,689/mo at 7% with a bank loan

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About this home

Experience waterfront luxury living at its finest with this stunning property located on the Satilla River. Perfect for entertaining, this home features a floating dock, inground pool, and two outdoor covered porches offering breathtaking views. Inside, you'll find a spacious open floorplan with vaulted ceilings and floor-to-ceiling windows showcasing the river vista. The gourmet kitchen is a chef's dream, featuring a cooktop, double ovens, warming drawer, beverage fridge, and separate upright freezer, and two sinks. The master suite on the main level includes a walk-in closet and a spa-like bath with a soaking tub and separate shower. A convenient half bath/powder room is also located on the main level. Upstairs, a game room/media room is complete with a wet bar and fridge. Two additional bedrooms each have ensuite full baths and river views. Additional highlights include a large level yard ideal for play or pets, covered parking currently utilized as an outdoor patio, and a separate workshed/storage building. Conveniently located near Jacksonville & SSI Airports, Jaguars Stadium, and Vystar Veterans Memorial arena, this home also offers easy access to popular sites like Fernandina Beach, St. Simons Island, Cumberland Island, Savannah, and St. Augustine. Don't miss the chance to call this riverside retreat your own!

-- sqft
1 acre
Single Family
Built in 2004

Source: GAMLS #10319654

5-year savings

Compared to a conventional mortgage
Roam
Bank
Principal & interest
$1,748
$2,719
Property taxes
-
-
Mortgage insurance
-
-
Home insurance
-
-
HOA fees
-
-
Monthly total
$2,718
$3,689
5-year total
$163,132
$221,344
Neighborhood
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FAQs

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Apr 14, 2025 07:59 pm
Listing agent: Erika C. Brown (404) 784-7844
Listing provided courtesy of: BHHS Hodnett Cooper RealEstate (912) 673-7373
Details provided by GAMLS and may not match the public record.
MLS ID: #10319654
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright © 2025 GAMLS. All rights reserved.
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