4673 Van Horn Rd Milton, FL 32583
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About this home
Welcome to this charming ranch-style home that's been thoughtfully updated and is ready for you to move in. Inside, you'll find fresh paint throughout, brand-new luxury vinyl plank (LVP) flooring, updated lighting and ceiling fans, and fully renovated bathrooms featuring new toilets, vanities, and a modern shower stall. The kitchen also has newly painted walls and cabinets, new crown molding, lighting, granite counter tops, subway tile backsplash, new sink with Kohler faucet, and LVP flooring. Major upgrades also include a new water heater and roof, and the HVAC was just serviced, offering peace of mind and long-term value. Out back, there's a detached garage and a workshop—ideal for hobbies, storage, or extra workspace. The home is perfectly located just minutes from Pensacola State College and provides quick access to the interstate. You're only 30 minutes from downtown Pensacola and 40 minutes from the white-sand beaches of Navarre and Pensacola Beach. Enjoy the convenience of being situated between the shopping and dining hubs of Milton and Pace. Military families will appreciate the close proximity to NAS Pensacola, Spencer Field, and Whiting Field. For nature lovers, the Arcadia Mill Nature Trail and creek are within walking distance, while the scenic Blackwater River is just a short drive away—perfect for outdoor adventures like kayaking, hiking, and picnicking. Don’t miss your chance to own a beautifully updated home in a location that truly has it all—comfort, convenience, and natural beauty.
Source: PENSACOLA #672160
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.