10520 Ruth Ave Hastings, FL 32145
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About this home
Welcome to your dream home, built in 2023 and nestled on a generous 1.14 acre lot with no HOA fee! This beautifully designed 4-bedroom, 2 bathroom home offers 2151 sq ft of open-concept living space, featuring a split-bedroom layout for ultimate privacy. The heart of the home is a stunning chef-inspired kitchen equipped with quartz countertops, stainless steel appliances, farmhouse sink, reverse osmosis filtration system, and a large island with seating-perfect for family gatherings or entertaining friends. The kitchen seamlessly flows into the spacious dining and family rooms, creating an inviting atmosphere for any occasion. Retreat to the primary bedroom sanctuary, where the spa-inspired bathroom awaits. Enjoy a luxurious soaking tub, double vanities with quartz counters, and a walk-in shower with seating and three shower heads for a true spa experience.... Additional features include 10 ft. ceilings with crown molding * security system * 3-car garage with ample space for vehicles and storage. This exceptional property offers the perfect blend of space, luxury, and modern convenience. With its open floor plan, gourmet kitchen, spa-like primary suite, and spacious lot, this home is sure to impress. Don't miss the opportunity to make it yours! Backyard provides space for a pool or other toys. And yes you can have chickens! Location is a rapidly growing community with 1+acre lots and easy access to St Augustine, Palm Coast, and Palatka. New fire station that will include a substation for St Johns County Sheriff Office is scheduled for completion in 2026. Assumable FHA loan with reasonable interest rate is available
Source: REALMLS #2107370
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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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