106 Key Grass Ct Saint Johns, FL 32259
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About this home
Welcome to this beautifully upgraded home in Watersong at RiverTown, St. Johns County's premier 55+ active adult community where resort-style living meets everyday comfort. From the moment you step inside, you'll notice the thoughtful details and stylish finishes throughout. The gourmet kitchen is the heart of the home, featuring rich maple cabinetry, sleek Silestone quartz countertops, a stunning floor-to-ceiling backsplash, and a custom granite countertop in the laundry room. A whole-house reverse osmosis system even connects to the kitchen sink, refrigerator, and utility tub, a true touch of luxury and convenience. The primary suite is a private retreat, complete with an expanded bedroom, cozy sitting area, dual walk-in closets, and a spa-inspired bath. Guests will appreciate the comfort of the upgraded second ensuite with its own shower. Designer touches abound, including elegant crown molding and 4″ plantation shutters throughout, along with stylish decorator ceiling fans and a dramatic tiled accent wall in the dining area that flows seamlessly to the kitchen island. Gorgeous tile flooring extends through the entire home for a clean, cohesive look. Car enthusiasts and hobbyists will love the heated and air-conditioned golf garage (not included in sq. ft.) offering a finished 10'×13 room, two oversized storage closets and a dedicated refrigerator plug and laundry tub.. The oversized garage offers custom heavy-duty shelving and the pull-down stairs provide easy attic access and additional storage. Enjoy the Florida lifestyle year-round in the enclosed lanai with vinyl windows and custom blinds, while the professionally installed gutters and whole-house surge protection add peace of mind. Living in WaterSong at RiverTown means more than just a beautiful home, it's a lifestyle. Residents enjoy private, age-restricted amenities such as a sparkling pool, clubhouse, fitness center, and social events exclusively for 55+ neighbors, plus access to all of RiverTown's resort-style features including scenic walking and biking trails, kayak launches on the St. Johns River, multiple pools, a riverfront pier, and lively community gatherings. This home offers the perfect blend of luxury, low-maintenance living, and vibrant community life, all in one of Northeast Florida's most desirable locations.
Source: REALMLS #2112216
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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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