16199 Shellcracker Rd Jacksonville, FL 32226
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About this home
Welcome to Black Hammock Island-a nature lover's retreat and boaters paradise. Situated on over half an acre and boasting 55 ft of tidal creek frontage, this property offers quick and easy access to the River, Intracoastal and the Atlantic ocean! Step into this beautifully updated, custom built waterfront home where modern upgrades meet serene views. Recently refreshed from top to bottom, this 5 bed/3 bath POOL home features a stunning new kitchen with sleek finishes including quartz countertops and tasteful backsplash, stainless steel appliances, eat in dining plus breakfast bar, and a large walk in pantry. The lower level was built for entertaining featuring a cozy family room, a dedicated office with french doors, plus an addt'l bedroom that would make the perfect mother in law suite or space for overnight guests. Upstairs you will be greeted by 4 additional bedrooms with walk in closets- including the primary suite that offers gorgeous views of Nassau River. Step outside into your backyard oasis, fish right off your dock or choose to launch your boat or canoe. Splash around in your salt water pool, or soak in your hot tub, this home offers it all! With the new flooring and fresh paint throughout, renovated baths, convenience of upstairs and downstairs laundry, and a whole house generator, don't miss this rare opportunity to own a turn key waterfront property with all of the upgrades already done for you-just move in and start living the Black Hammock lifestyle you've been dreaming of. Enjoy the Friday night food trucks, community events such as holiday hayrides, golf cart poker runs, and so much more. NO HOA. Amenities include a community center with pickle ball courts, tennis courts, playground and softball fields with a short commute to grocery stores, restaurants and shopping, highways, schools, hospitals, naval bases and JIA. Don't miss out, schedule your showing today!
Source: REALMLS #2109139
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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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