4068 Scenic Dr Middleburg, FL 32068
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About this home
WOW - have we got the home for YOU! Situated on about 1 acre, 4068 Scenic Drive is its own slice of navigable Black Creek paradise. With 135 waterfront feet, electric boat lift, covered boat/RV pad, plumbed dock with space for extra toys, an exterior commercial elevator and the ultimate man-cave workshop...what else could you want? But wait, there's more! The 2 story main house is fully renovated and features 2 bedrooms each with a full en suite bath. Updated LVP and tile spread throughout the home for easy cleaning. The floor plan also includes 2 bonus areas - currently used as an office nook and a flex space. The kitchen sparkles with white cabinets, shiplap panels and stainless steel appliances. Enjoy creek views from your eat in breakfast space, or step out the double doors to enjoy the fresh air and water views from your fully screened second level deck. Off of the deck is a spacious laundry room equipped with 1/2 bath perfect for guests. The deck also provides access to a commercial elevator that holds up to 1000 lbs - ideal for moving large appliances up to the main living level. Downstairs you'll find a covered back patio (the full length of the home!) perfect for entertaining & the best backyard BBQs! 2 garage bays PLUS over 800ft2 of storage space are found just below the main level. This non HOA property is move in ready - bring your toys, RV, boats (current boat is negotiable for sale!) and all your "she-shed" dreams - you have no shortage of space on your cleared homestead. Don't miss your chance - schedule your showing today! *Workshop and RV/boat Pad each equipped with 220V outlets. Includes Aerator for well.
Source: REALMLS #2082653
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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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