11318 Celsius Ct Jacksonville, FL 32256
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About this home
Welcome to your fully upgraded DREAM SMART home in the heart of it all in gated Nobel at eTown! Built in 2021 and offering the rare advantage of an ASSUMABLE 2.75% VA MORTGAGE (veterans only!), this residence blends nearly new construction in its immaculate condition - plus over $75,000 IN POST CONSTRUCTION UPGRADES that this original owner completed after closing (this is intended to be the forever home!). Perfectly located just minutes from SR 9B, I-95, Butler Boulevard, Saint Johns Town Center, dining, shopping, entertainment, and the beaches—you'll be living in the center of it all. Step inside to find an open, stylish interior highlighted by a designer kitchen, gas appliances, quartz counters, luxury vinyl plank flooring throughout the main living areas, soaring ceilings, eight foot doors, upgraded lighting, and custom window treatments that elevate every space. The downstairs primary suite boasts a custom closet designed for maximum organization and elegance, featuring a private pass-through to the laundry room for ultimate convenience. The home is also equipped with ceiling fans throughout, a tankless gas water heater, water softener, programmable thermostat, and whole-house capacitorensuring efficiency and peace of mind. This home is loaded with next-level upgrades for modern living, including a solar panel system with three backup batteries to keep you powered even when the grid goes down, an electric vehicle charging station, and an epoxied extended garage for both function and style. Step outside to enjoy your private oasis: an extended, pavered and caged lanai with a summer bar and built-in wine cooler, perfect for entertaining year-round. The backyard is fully fenced, and the home is enhanced with custom permanent outdoor lighting - as well as designer Jellyfish lights - setting the stage for unforgettable evenings (and ensuring you'll never again have to hang lights for the holidays ever again)! Nobel at eTown also offers resort-style amenities that make every day feel like a getaway. Enjoy a clubhouse, zero-entry resort pool, lap pool, children's pool, fitness center, outdoor yoga lawn, rooftop patio, kids' playground, event lawn, gathering spaces, walking trails, and a dog park. This home truly offers the perfect combination of cutting-edge convenience, luxury upgrades, and lifestyle amenitiesdon't miss your chance to make it yours!
Source: REALMLS #2109389
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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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