4444 Colleen Cv Niceville, FL 32578
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About this home
PRICED BELOW APPRAISED VALUE! This gorgeous home just appraised for $960k in September!! Tucked away in the highly sought-after Water's Edge community of Niceville, this stunning two-story home built by renowned local builder Randy Wise Homes combines timeless elegance with superior craftsmanship.Located at the end of a quiet cul-de-sac, the property offers exceptional privacy with no rear neighbors, a tree-lined backdrop, and direct neighborhood access to the waterfront area and kayak launch; all without being in a flood zone.The main level features the spacious primary suite and two guest bedrooms. Upstairs offers a fourth bedroom with an en-suite bath, a large open bonus area, and a versatile workspace designed for today's modern lifestyle.Quality is evident throughout with (MORE hardwood floors, 10-foot ceilings on the main level, 9-foot upstairs, oversized 8-foot doors, and abundant natural light. The open living area flows into the gourmet kitchen with Frigidaire Pro appliances, a gas cooktop, farmhouse sink, granite countertops, soft-close cabinetry, beverage bar with wine fridge, walk-in pantry, and a large center island. The primary suite provides a peaceful retreat with dual vanities, a custom closet system, and an oversized floor-to-ceiling tiled shower for two. Outdoor living is equally inviting with a screened-in patio, extended decking with under-deck storage, a fully fenced backyard, and serene natural views. Additional features include a tankless water heater, energy-efficient foam insulation, surround sound pre-wiring, indoor and outdoor security cameras, blinds on most windows, an oversized two-car garage, and walk-in attic storage. Set within an established neighborhood, this home offers the perfect balance of privacy and convenience, just minutes from a walking trail and park, shopping, dining, schools, and more. Schedule your private showing today.
Source: EMERALDCOAST #985800
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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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