203 Salt Grass Trce Saint Marys, GA 31558
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About this home
Exquisite Deepwater Retreat on the Saint Marys River! Nestled along the serene Saint Marys River, this exquisite deepwater property offers a rare blend of luxury and tranquility. Situated on a sprawling 1.33-acre lot adorned with majestic live oak trees draped in Spanish moss, this 4-bedroom, 3-bathroom home boasts a private covered and floating dock, providing direct access to the river. Outdoor Features: The backyard is a private oasis, featuring a sunken pool set within an expansive composite deck, complete with a hot tub for ultimate relaxation. Additional decking off the kitchen invites outdoor culinary adventures, while a charming veranda off the downstairs den and the main pool deck enhance the outdoor living experience. Construction and Amenities: Constructed with durable tabby and topped with a composition roof, this residence includes a generous 21/2 car garage. A water filtration system ensures clean water, and a sprinkler system with an irrigation well maintains the lush landscape. Interior Highlights: The massive upstairs master suite offers breathtaking river views and a spa-like bathroom with dual vanities, a wet room featuring a soaking tub, and a tiled stand-up shower illuminated by skylights. His and hers closets, along with two linen closets, provide ample storage. All bathrooms are elegantly appointed with solid surface vanities and separate tiled showers, one with a tiled tub/shower. The indoor laundry room includes a deep sink for added convenience. Two fireplaces add warmth and charm, while beamed and vaulted ceilings create a sense of grandeur. Double wooden front doors open to a stunning 2-story foyer, setting the tone for the home's elegance. A separate dining room comfortably seats 12, perfect for entertaining. Large format windows throughout the home flood the interiors with natural light and offer picturesque views. Kitchen and Breakfast Room: The gourmet kitchen features an island, beautiful cabinetry, granite countertops, a stylish backsplash, a double wall and convection oven, an oversized refrigerator, and stainless steel appliances. The breakfast room, with its bay window and skylights, overlooks the pool, creating a bright and inviting space. Location and Lifestyle: Conveniently located just 10 minutes from Kings Bay Submarine Base, 30 minutes to Jacksonville International Airport, and 35 minutes to Brunswick, GA, this home offers both seclusion and accessibility. A short 15-minute boat ride takes you to downtown Saint Marys, with another 15 minutes to Cumberland Island National Seashore and the Atlantic Ocean, offering endless opportunities for adventure! This exceptional property is a rare find, offering unparalleled luxury and a lifestyle of serenity and sophistication.
Source: GAMLS #10547488
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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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