124 Lindsay Dr Palm Coast, FL 32137
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About this home
Make sure to check out the Virtual Tour for a 3D Model w/ Walkthrough, Floor Plan w/ Measurements, Video, & more! 124 Lindsay Dr, Palm Coast FL 32137 - The Roomy Pool Home That's Big on Style, Light, and Offers Laid-Back Living! With 3,500 square feet under roof, 4 bedrooms, 2.5 bathrooms, and a layout built for both entertaining and everyday comfort, this two-story home offers plenty of room to spread out without giving up the cozy, quiet charm of a tucked-away street. The 2,856 square feet of heated and cooled space includes a massive 550 sq.ft. primary suite, a flexible upstairs loft, and an oversized living room that practically begs for game nights or Super Bowl parties. Need something more intimate? There's a formal dining room, formal living room, and a spacious kitchen with granite countertops, a large island, stainless steel appliances, and two walk-in pantries—because you can never have too many snacks or storage. Step outside and the vacation vibes kick in. A 1,200 sq.ft. screened lanai with an 11x40 under-roof area surrounds a sparkling concrete pool with spillover spa. It's the perfect spot for weekend BBQs, evening cocktails, or pretending you're at a resort while deer meander past your tree-lined backyard. The home sits on a .23-acre lot with plenty of natural light streaming through generous windows. Tile floors in wet areas add both beauty and durability, and the inside laundry room keeps the clutter tucked away. A 2-car garage completes the package! Major updates? Covered. The roof was replaced in 2018, and the water heater is brand new (2023). And here's the real kickerno HOA, no CDD, and no flood insurance required. Situated just four minutes from I-95 and five from US-1, 19 minutes from Hammock Beach, and 30 minutes to St. Augustine North or Daytona South - you're close to shopping, dining, hospitals, and entertainment, but far enough to enjoy the peace and privacy of home. This is the kind of place where memories are made, holidays are hosted, and pool floats go to live their best lives!
Source: REALMLS #2088913
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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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