126 Topsail Dr Santa Rosa Beach, FL 32459
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About this home
Set on a peaceful cul-de-sac in a small, established enclave, 126 Topsail Drive blends refined design with relaxed coastal living. Thoughtfully composed interiors and an inviting outdoor setting create an ideal balance of elegance and everyday comfort.The spacious, light-filled main level features rich hardwood floors and a well-appointed kitchen with abundant cabinetry and generous counter space--perfect for both quiet mornings and lively gatherings. A large deck extends the living area outdoors, offering a private backdrop framed by mature trees that enhance both beauty and seclusion. Upstairs, the primary suite provides a serene retreat with ample proportions and a spa-like bath featuring dual vanities and a walk-in shower. Two secondary bedrooms share a sophisticated Jack and Jill bathroom, also with double vanities for effortless convenience. Every detail reflects craftsmanship and care, from the thoughtful layout to the understated finishes. The property is situated just half a mile from the Choctawhatchee Bay and a mere two miles from the pristine beaches and premier shopping on 30A with Destin just 15 minutes away, offering unparalleled access to both beach living and high-end retail, restaurants, and healthcare services. Experience coastal style, comfort, and convenience at 126 Topsail Drive. An assumable mortgage with an interest rate of 2.625% presents a rare opportunityplease inquire today to learn more.
Source: EMERALDCOAST #970851
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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.