3120 Scenic Oaks Dr Jacksonville, FL 32226
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About this home
Luxurious 5-bedroom estate in a private, gated Northside community offers approximately 3,500 sf of elegant living space. The exterior showcases moss-draped Olde Florida Oaks, a tranquil pond, screened and open lanais, low-maintenance stucco with hardi lap siding, and a convenient three-car garage. Inside, the inviting foyer opens to a family room with gas fireplace, built-in bookshelves, and soaring ceilings. The 1st floor features an owner's suite and a fifth bedroom, ideal for guests or multi-generation living, plus a separate office with French doors currently used for whiskey tasting. Upstairs hosts bedrooms 2-4 and an enclosed bonus room (possible 6th BR). Notable details include sculpted wood floors, a spacious kitchen with granite counters, 6-burner gas range, convection/microwave wall oven, tile backsplash, and stainless appliances. This home feels like a personal sanctuary, blending classic Florida charm with refined modern convenience. Newer roof 2022, water heater 2025. Looking for more of the love poured into this home? * stucco front * architectural shingle roof * 3 car garage with keypad entry * huge front yard tree for shade * elegantly landscaped lawn & fenced back yard * friendly fish & turtles in the pond * screened lanai * open patio * Palladian windows * Floor plan customizations include separating the office from the whiskey room * modifying the kitchen to add the in-wall convection oven * bumped out owners bedroom * remodeled owners bath * closed the loft overlook and installed a door to make an upstairs bonus room (add a closet and this could be a 6th bedroom...). Other features include pet suite under stairs plumbed with water * sculpted laminate floor downstairs * slate tile on the diagonal in the extra wide entry foyer * decorative shadow boxes line the foyer * crown in the foyer, office, whiskey room * recessed lighting * knock down ceilings * extended breakfast bar * 6 burner gas range, stainless hood * tile back splash * deep walk-in pantry * 42 inch cabinets * 2 well stainless sink with tall gooseneck nickel finished faucet * family room features a vaulted ceiling * built-ins * gas fireplace * French doors to the screened lanai * some windows tinted to help with energy efficiency Let's talk about cementious siding. Cementious siding, or fiber cement siding, has the appearance of wood, but is durable, water-resistant, termite-resistant, and non-combustible. Cementious siding is composed of cement, sand, and cellulose fiber that has been autoclaved (cured with pressurized steam) to increase its strength and dimensional stability. The fiber is added as reinforcement to prevent cracking. Since it is not susceptible to rot and infestation, cementious siding offers a long lasting alternative to typical exterior wall cladding. With easy access to I-295 & Dames Point, you can be anywhere in town in 30 minutes or less! Very near the new River City Marketplace for all types of shopping, the Jacksonville International Airport, the new UF Health medical facility, the Jacksonville Zoological Gardens, area beaches, the new Amazon facility and more. Be sure to check out the Wm. F. Sheffield Regional Park featuring three basketball courts, a picnic pavilion with grills, two soccer and football multi-use fields, a fishing pier, a canoe launch, asphalt trails, concessions and rest rooms. Just up the road a bit is the Betz Tiger Point Preserve, "surrounded by awe inspiring broad expanses of saltwater marsh. Stunning scenic views as well as abundant wildlife can be seen in this natural setting. With its adjoining neighbor, Pumpkin Hill Creek Preserve State Park, visitors can enjoy miles of nature trails for hiking, biking and equestrian use, kayak/canoe areas, and ample fishing. Use the canoe launch a few hundred feet south of the Preserve to launch your canoe and explore the salt marshes."
Source: REALMLS #2094779
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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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