110 Mosaic Oaks Cir Santa Rosa Beach, FL 32459
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About this home
Step into easy coastal living at Mosaic Oaks, less than 4 miles from 30A's sugar-white beaches and just half a mile to Choctawhatchee Bay with convenient Bay access for watersports. This impeccably maintained 3-bed, 2.5-bath home showcases over $97K in upgrades, including a complete master suite renovation, new LVP flooring, and a refreshed kitchen with professionally refinished cabinets, modern tile backsplash, and upgraded cabinet lighting. Fresh interior and exterior paint, new trim, and shutters add a designer touch. Enjoy quiet mornings on the screened front porch or step upstairs to a private balcony off the master suite -- both perfect for catching breezes and sipping coffee. The backyard is the true showstopper: a beautifully designed retreat with a Trex floating deck, custom paver patio, and lush landscaping. An outdoor umbrella, stylish fire feature, and fenced yard with irrigation create a private oasis ideal for entertaining, grilling, or relaxing under the stars. The master suite is a true sanctuary with two closets, balcony access, and a spa-like bath featuring a separate garden tub and tiled shower. Upstairs, a spacious landing connects the bedrooms, offering flexibility for a lounge, office, or playroom. Additional highlights include new exterior doors, gutters, a large storage shed, and a freshly repainted exterior. The current VA loan is assumable for qualified buyers, offering a valuable financing advantage. Mosaic Oaks is a peaceful 32-home community close to parks, schools, shopping, and 30A beaches coastal living made easy. Just outside your door you'll find Alaqua Dog Park, Padgett Park, South Walton High School and Library, plus local dining, shopping, and a daycare/preschool across the street. With beaches less than 10 minutes away and Bay parks within walking or biking distance, this home blends convenience, community, and coastal lifestyle in one beautiful package.
Source: EMERALDCOAST #987829
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.