305 Heron Landing Rd Saint Johns, FL 32259
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About this home
Welcome to this spacious 3BR/2.5BA home in desirable Durbin Crossing! A large upstairs loft offers the perfect children's retreat, game room, or man cave. Enjoy one of the best yards in the neighborhood with a covered lanai, paver patio, firepit, and serene pond view. The open kitchen flows into a generous living area and oversized dining room—big enough for a large table and China cabinet. A versatile flex space can be a home office or converted into a 4th bedroom. Walk to top-rated Patriot Oaks Academy with Creekside High nearby. Extras include pull-out kitchen drawers, new stove, nearly new dishwasher, 5-yr-old AC, water softener, updated smoke detectors, new master bedroom fan, blinds, and hard-wired security camera connections. Seller may consider a flooring allowance with an acceptable offer—well-priced and move-in ready! This 3-bedroom, 2.5-bath home offers the perfect balance of comfort, style, and flexibility. A spacious loft upstairs can easily serve as a cozy children's retreat, a gamer's paradise, or even the ultimate man cave. The layout is designed to give everyone their own space while keeping the heart of the home open and welcoming. A Backyard Made for Relaxation & Fun Step outside to one of the best yards in the neighborhoodcomplete with a covered lanai, an extended paver patio, and a built-in firepit overlooking a tranquil pond. Whether it's morning coffee with a view or s'mores under the stars, this backyard makes every season special. Spacious Living, Flexible Options Inside, you'll find a large living area that flows into an open kitchen and an oversized dining roombig enough for your favorite farmhouse table and a china cabinet. There's also an additional flex space that's ready to become your home office, hobby room, or even an enclosed 4th bedroomthe choice is yours. Great Location & Top-Rated Schools Located near shopping and dining, this home is also within walking distance of a highly sought-after, A-rated St. Johns County schoolPatriot Oaks Academywith Creekside High School nearby. Living here means convenience for daily errands and unbeatable schools for peace of mind. Move-In Ready with Smart Upgrades You'll love the extras: pull-out drawers in the kitchen, a brand-new stove, nearly new dishwasher, five-year-old AC, updated smoke detectors, a water softener, new master bedroom fan, stylish blinds, and hard-wired security camera connections. The seller may even consider a flooring allowance with an acceptable offermaking this well-priced home an even better value.
Source: REALMLS #2111992
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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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