434 Twilight Ln Unit 33 Saint Augustine, FL 32095
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About this home
Don't miss this opportunity to own a beautifully upgraded 3-bed, 2-bath single-story home with a 2-car garage in St. Johns County! This home features an open-concept living and elegant, modern finishes throughout. Step inside through double front doors into a bright and airy space featuring luxury vinyl plank flooring, white cabinetry, and quartz countertops. The gourmet kitchen includes a large island, stainless steel natural gas cooktop, wall-mounted hood, built-in oven tower, and a full backsplash extending to the ceiling for a sleek, contemporary look. The family room boasts a tray ceiling, and the layout flows seamlessly to a covered lanai, ideal for outdoor relaxation or entertaining. The fully fenced backyard includes solar lighting and a side gate. Gutters around the entire home for added convenience. Epoxy Garage Floors. This home blends luxury, comfort, and unbeatable location-schedule your private showing today! Move-In Ready! Stunning Camden Plan in Beacon Lake on 53' Lot. Retreat to a luxurious owner's suite with a frameless glass shower, tile extended to the ceiling, seating, transom window, and a spacious walk-in closet. Bathrooms feature quartz vanities, Moen fixtures, and upgraded undermount sinks. Other highlights include: Natural gas tankless water heater. Water softener loop with outlet in garage, Energy Star appliances, 2" eco white blinds throughout, upgraded carpet in bedrooms, Nobleza Astorga tile in baths, laundry, and HVAC closet. Located in a resort-style, natural gas community, Beacon Lake offers world-class amenities including a 43-acre lake, clubhouse, fitness center, pool, splash park, tennis and pickleball courts, playgrounds, and top-rated St. Johns County schools.
Source: REALMLS #2096170
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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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