95159 Snapdragon Dr, Fernandina Beach, FL 32034
4 beds · 3 baths · 2,526 sqft sqft
Welcome to this stunning 4-bedroom, 3-bathroom POOL home featuring a 3-car garage and situated on the preserve in the highly desirable Amelia Concourse neighborhood. This property combines luxury and comfort, offering an array of high-end features and community amenities. As you step inside, you'll be greeted by an open floor plan with beautiful tile floors in the main living areas and a large living room with a coffered ceiling. The gourmet kitchen is a chef's dream, equipped with stainless steel appliances, granite countertops, a large island, gas stove top, and a stylish tile backsplash. Additional conveniences include a coffee station and a wine bar with extra cabinets for storage. Adjacent to the kitchen, the breakfast area is perfect for casual meals, while the separate dining room, adorned with elegant wainscoting, provides a refined space for formal gatherings. The primary bedroom is a serene retreat, showcasing double tray ceilings and a charming bay window. The spacious en-suite bathroom boasts his and her sinks, offering ample space for your daily routine. The fourth bedroom is versatile and can be used as an office or playroom to suit your needs. Step outside to your private outdoor oasis, where the covered lanai complete with pavers and large screened-in pool await. Amelia Concourse neighborhood offers a range of community amenities, including a pool, kids splash pad, play area, and playground.
Source: REALMLS #2033892
Interest rate and monthly payment estimated based on public records.
Source: REALMLS #2033892
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: #2033892
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 © 2024 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.