22 Belted Kingfisher Rd Fernandina Beach, FL 32034
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About this home
Amelia Island Plantation Beauty on the Coveted South End! This exquisitely renovated home offers long range views of the marsh and inter coastal waterways and the newly completed Oak Marsh Golf Course from nearly every room, creating a picturesque backdrop year-round. Outdoor living is unmatched with a 243 sq-ft front porch and an expansive 750 sq-ft rear deck, both crafted from durable, low-maintenance TREX decking. Step through the double mahogany doors into a space where no detail was overlooked. The grand stairway and Rania Locust solid hardwood floors immediately impress, while plank ceilings lend warmth and custom charm throughout the home. The open-concept kitchen is a dream for any chef, featuring brand-new wood cabinetry with designer hardware and lighting, top-grade quartz countertops, a Delta workstation sink with touchless faucet, a professional-grade stove with hidden vent, new refrigerator, and a stunning designer backsplash. The luxurious upstairs owner's suite is a serene retreat with a newly added wet bar (wood cabinetry, quartz counters, fridge/freezer), two renovated closets, a spa-like bathroom with standalone soaking tub, tile accent wall, quartz countertops, and custom cabinetry. Exterior updates include new Hardie Board and shingle siding, fresh paint, and a 2-year-old roof. NEW HVAC installed June 2025! Every upgrade was thoughtfully chosen for beauty, comfort, and longevity - ready for you to enjoy for years to come!
Source: REALMLS #2092355
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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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