31 Birkeland St Ponte Vedra, FL 32081
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About this home
ASSUMABLE LOAN AT 3.25%! Discover 31 Birkeland, a David Weekley favorite that truly has it all. Downstairs, you'll find 3 bdrms (including the primary) + an open flex space/office & a spacious light-filled living area. The gourmet kitchen takes center stage with a stunning quartz island, upgraded finishes, & tile floors that flow seamlessly through the main spaces. Upstairs, the surprises keep coming: a huge bonus room, a private 4th bdrm w/full bath, & storage galore: TWO walk-in storage rooms, an oversized closet, & even a floored attic with pull-down stairs (garage). Enjoy a retreat outside with a spacious fenced yard, privacy landscaping, + a large, covered lanai perfect for quiet mornings or lively gatherings. The location is the best of both worlds, walk to Nocatee's shops, restaurants, & award-winning amenities, yet come home to the privacy & comfort of your own backyard. With 4 bdrms, 3 baths, study, bonus room, & plenty of storage, this home is designed to fit every lifestyle Low-maintenance living, peace of mind & close-to-the-coast convenience: this Daniel Park gem has it all! Just 6.4 miles from the beach and 7 blocks from Nocatee Town Center, you're steps (or a golf cart ride) from Publix, Starbucks, Splash & Spray Parks, dining, and more. Enjoy living like you are on vacation 365 days a year! As a Nocatee resident, you will enjoy a fantastic lifestyle that includes Splash Water Parks, Greenway Trails, planned Community Events and two Intracoastal Kayak Launches. In addition, Nocatee offers other state of the art amenities including new racing and tube water slides and an adult pool!
Source: REALMLS #2108797
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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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