139 Meadow Woods Ln Niceville, FL 32578
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About this home
Tucked away on a quiet cul-de-sac, this beautifully updated 3-bedroom, 2-bath home with an office offers both comfort and convenience--just minutes from the Emerald Coast beaches, local shopping centers, and an easy commute to Eglin AFB and Duke Field.Step inside to find a light and welcoming interior with fresh paint (2025), updated vinyl flooring (2025), and modern fixtures throughout. The kitchen remodel (2022-2023) blends style and function with dark shaker cabinets, granite counters, stainless steel appliances, shiplap accents, and a new microwave. Both bathrooms have been tastefully upgraded, including a full remodel in 2024 and fresh updates in 2025.The primary suite offers a private retreat with patio access and a spacious walk-in closet. Outside, enjoy the large deck (2022)perfect for entertainingalong with a fenced backyard, 50-amp RV plug, and no HOA restrictions. Not to mention a very large lot for the area. This home has been thoughtfully maintained with big-ticket upgrades already done: Roof, AC, Gas Heat, and Gas Water Heater (2022) Windows & Gutters (2023) Updated bathrooms, light fixtures, and laundry room with shiplap New paint and flooring (2025) Upgraded electrical panel breakers No popcorn ceilings. With its prime location, modern updates, and a 4.875% assumable VA loan (for qualified buyers), this home is move-in ready and full of value.
Source: EMERALDCOAST #987219
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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.