37 Bayside Dr Palm Coast, FL 32137
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About this home
*This property has an eligible assumable VA loan at 3.56% APR for qualified and approved buyers through the lender* Welcome to this beautifully maintained 3-bedroom, 2-bathroom home offering a thoughtful blend of modern updates and classic Florida charm. Located in the heart of Palm Coast, this single-story property is move-in ready with major improvements already complete. Inside, you’ll find a bright and open layout with tile flooring throughout, ceiling fans in every room, and plenty of natural light. The kitchen has been tastefully updated with granite countertops, a stylish backsplash, modern tile flooring, and newer stovetop and dishwasher. The private owner’s suite features a fully renovated bathroom with a spacious walk-in shower, skylight vanity, and contemporary finishes. Two additional bedrooms and a refreshed guest bath provide comfort and flexibility for family, guests, or even a home office. This home comes with peace of mind thanks to many newer upgrades. It features a newer HVAC system for efficient comfort, a roof that remains in excellent condition and all newer windows designed for improved energy efficiency. The property also includes an upgraded front entry, side door, and a screened garage system, along with a vinyl privacy fence enclosing the backyard. The kitchen enhancements add a modern touch and complete the list of valuable updates. Outdoor living is at its best with a spacious screened-in lanai complete with ceiling fans and AC vents, overlooking a large backyard with mature landscaping. The garage features a privacy screen that allows shade and airflow, making the space versatile for projects or gatherings, while the wide two-car driveway provides ample parking. Centrally located near shopping, dining, golf, and just a short drive to Flagler Beach, this property offers the perfect mix of updates, value, and location. Whether you are a first-time buyer, downsizing, or looking for a solid investment, this Palm Coast gem is ready to welcome you home. Please refer to public records to confirm all facts on the property.
Source: STELLAR #O6338208
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.