4259 Trout River Blvd Jacksonville, FL 32208
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About this home
Discover waterfront living at its finest in this updated home located on the serene banks of the Trout River. Situated on a generous .72 acre lot with direct access to the river, this property has potential for a dock (currently does not have one) and is navigable to the ocean. Home was renovated in 2020 and features an open concept. Granite countertops in the kitchen with white cabinets. Primary bedroom features en-suite with walk-in shower and daul vanity sink. Other items updated in the renovation include new septic system, new HVAC, updated electrical and plumbing and new water heater. Current owner has added new subfloor joints and wood floors in bedrooms and main living areas. LVP in bathrooms and utility room. There is a 24x24 shop with 16x10 door and electrical to store all your toys. This property is ideal for those seeking a peaceful retreat while remaining close to the conveniences of city life. Home is located in Flood Zone X so flood insurance is not required. Easy access to major highways for commuting to downtown Jacksonville or Amelia Island. Quiet road with no HOA or CDD fees. The following personal property is negotiable in an offer: washer, dryer, refrigerator and shelves in garage. Schedule your private showing today and experience the ultimate waterfront lifestyle!
Source: REALMLS #2100958
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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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