4232 Ortega Forest Dr Jacksonville, FL 32210
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About this home
**RIVERFRONT**ACREAGE**REMODELED** Welcome to a WATERFRONT sanctuary in historic Ortega Forest, one of Jacksonville's most elegant neighborhoods defined by timeless southern charm and majestic oak-lined streets. This HIGH-TECH riverfront resort has undergone an EXTENSIVE, HIGH-END RENOVATION offering unparalleled luxury lifestyle and WEST-FACING views to capture the BREATHTAKING DAILY SUNSETS over the Ortega River from almost every major room. Spanning 1.07 ACRES with 6,400 SF, 7BR/6.5BA, 4 river-view suites, fiber and whole-property Wi-Fi. Easy riverfront lifestyle with primary and guest suite, kitchen, dining and main areas on the entry level floor. The backyard sanctuary is built for entertaining with a magnificent 52'x26' POOL with HOT TUB framed by 4000 SF of luxurious leathered marble decking. Entertain with the massive 14'x16' FIRE PIT terrace with direct river views. BOATER'S DREAM! The property includes a NEW BULKHEAD, an expanded COVERED dock entertainment lounge with a lift LOUNGE complete with integrated smart audio and gigabit Wi-Fiyour living room on the river. Here, fun on the water is a way of life. From your private dock you can cruise just 20 MINUTES TO DOWNTOWN JACKSONVILLE for waterfront eats, explore peaceful preserves, or take the St. Johns River to the ocean for even more water adventures like boating, fishing, and jet skiing. Inside, the home is a masterpiece of technology and luxury: fully wired with 12 INDEPENDENT AUDIO ZONES (including the dock and three theater rooms) and a pro Ubiquiti network for seamless whole-home voice and fast Wi-Fi control. Enjoy thoughtful spaces like the climate-controlled WINE CELLAR, a game room, and an air-conditioned LOFT over the garage featuring five built-in queen beds (ideal for a gym/large family gatherings). The home offers LUXURIOUS PRIVACY with the Master Suite and three dedicated en-suite guest rooms all overlooking the water. Peace of mind is guaranteed with TWO NEW HVAC systems, a new garage split, and redesigned landscaping. The neighborhood offers the freedom and flexibility of NO HOA OR CDD FEES. Located close to I-295/I-10 and just minutes from upscale shopping, specialty dining (Southern Steer Butcher, Fresh Market), and the popular Avondale/Riverside neighborhoods. This is an unparalleled opportunity to own a PRIME COASTAL RETREAT.
Source: REALMLS #2114879
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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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