405 Navarre St Gulf Breeze, FL 32561
Your savings
About this home
Welcome to this beautifully updated 4-bedroom, 2.5-bath home in Gulf Breeze Proper, just minutes from top-rated schools, pristine beaches, and premier dining. Thoughtfully upgraded, this home blends modern style with everyday functionality. The fully renovated kitchen is a chef's dream, featuring Wood Shaker cabinets, Taj Mahal Quartzite countertops, stainless steel appliances, a farmhouse sink, a custom vent hood, and a stunning marble backsplash. Designed for both efficiency and style, this space is perfect for everything from quick meals to hosting gatherings. The spacious living area flows seamlessly to a newly added bonus room, offering incredible versatility--ideal as a home office, gym, or play area for the kids. This room features brand-new LVP flooring, fresh paint, and all-new ductwork, ensuring comfort and durability. The adjacent enlarged laundry room provides ample space and extra storage for convenience. The primary suite is generously sized, while a hallway leads to three additional bedrooms, offering privacy and functionality. The updated bathrooms enhance the home's modern appeal, and the bright sunroom provides a serene space to unwind. Step outside to a spacious backyard designed for entertaining! Enjoy relaxing under the pergola, hosting barbecues, or letting kids and pets roam freely. A 15x20 shed in excellent condition offers additional storage for outdoor gear and tools. Major upgrades include: a new roof (home & shed), new HVAC system, and new water heater, providing peace of mind for years to come. Don't miss this rare opportunity to own a move-in ready home in one of Gulf Breeze's most sought-after locations! Schedule your showing today!
Source: EMERALDCOAST #969060
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.