923 Live Oak Ln, Fleming Island, FL 32003
3 beds · 2 baths · 1,540 sqft
*OPEN HOUSE SAT. & SUN. MARCH 29 & 30th from 1 -3 PM * From the chef-inspired kitchen to the private pool oasis, every detail of this meticulously updated home has been thoughtfully curated. Poised on a sprawling 0.42-acre creekfront lot, the home is perfectly situated in the heart of Fleming Island near popular restaurants, shopping, and parks. With an extensive pool and outdoor patio space, this home is an entertainer's dream. The heart of this home is undoubtedly the extensively remodeled kitchen. Completed in 2016, this culinary haven boasts a grand 9.5' center kitchen island, providing ample seating and workspace for both casual meals and elaborate gatherings. Granite countertops, top-of-the-line stainless steel appliances, including a smart fridge, and soft-close cabinetry ensure both beauty and practicality. A dedicated office area seamlessly integrates into the kitchen - the perfect space for managing daily tasks. The corner gas fireplace and updated wood flooring in the living room balances out the space, making it warm and inviting. From the living room, a large French door leads to the screened patio, seamlessly connecting indoor and outdoor areas. A beautifully designed pool, complete with waterfalls and lighting, is the centerpiece of this backyard oasis. Whether lounging in the hammock or basking in the shade of palm trees, there is no limit to the endless outdoor days you can spend here. The screened back patio is surrounded by an expansive deck area - making it the perfect spot for al-fresco dining. A large, detached shed is great for storage or can be transformed into a fun pool cabana. Plus, if that wasn't enough, the home has a creek along the Northeast side of the home that the owner has cleared allowing a nature preserve area - complete with walking bridge, seating, and bird feeders. Along that side, the home also boasts a side-entry two car garage with an additional RV Parking Spot with 50/35 AMP RV plug. The garage has custom-built storage and a side door to the back pool area. Back inside, the primary suite offers a serene escape, featuring a spacious walk-in closet with organizers. The master bathroom has a large walk-in shower and has been thoughtfully updated with a white vanity and countertop, mirror and lighting. With all the bells and whistles, this updated home offers a perfect blend of privacy and convenience. Check out the full update list to learn more. Or reach out for your own personal tour today. This home is more than just a residence; it's a lifestyle.
Source: REALMLS #2076638
Financials
Source: REALMLS #2076638
Source: Public records
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%. 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.
Other resourcesWhat 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.
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