213 Ocean Palm Dr Flagler Beach, FL 32136
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About this home
Welcome to 213 Ocean Palm Drive – your dream beachside retreat! Perfectly positioned between the Atlantic Ocean and the Intracoastal Waterway, this charming 2 bedroom, 2 bathroom plus office coastal cottage offers far more than first meets the eye. With 1,148 sq. ft. of main living space, plus a light-filled 253 sq. ft. four-season porch overlooking a serene pond and the rolling greens of Ocean Palm’s nine-hole golf course, this home is designed for both relaxation and entertaining. Need extra space? A large two-car garage—smartly divided into two separate bays—along with a spacious laundry room, adds an additional 700 sq. ft. of functional living/storage space. Altogether, this property provides an impressive 2,101 sq. ft. total under roof. Inside, you’ll love the open entertaining layout and gorgeous new kitchen (2022) featuring slow-close cabinetry, quartz countertops, a large island with abundant storage, stainless appliances, under-mount sink, brushed nickel finishes, water softener and stylish fixtures. This home has been thoughtfully updated throughout: 2022: New roof, interior & exterior paint (even the mailbox), remodeled kitchen, resurfaced hall bathtub, modern lighting/ceiling fans, and custom Levolor blinds. New home office added in 2022! 2023: New HVAC condensing unit (with 10-year warranty) and upgraded pressure-assist toilets. 2024: Leaf Filter gutters, enhanced irrigation zones for perfect lawn coverage, and more! The curb appeal is undeniable, but the lifestyle is what truly sets this home apart. Located within walking distance to both the beach and Intracoastal, this quiet, close-knit neighborhood is surrounded by Gamble Rogers Memorial State Recreation Area and the scenic Ocean Palm Golf Course—an unbeatable combination of natural beauty and recreation. No HOA! And the best part? This home is priced well below comparable properties in Flagler Beach—making it one of the best values on the market today. Don’t miss your chance to own this rare gem where coastal living, community, and value all come together. Listing Agent is related to Seller. Measurements are approximate and buyer must verify all dimensions.
Source: STELLAR #FC312518
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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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