5589 Birch St Milton, FL 32570
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About this home
With a NEW ROOF, fresh paint, updated kitchen counters, and stylishly glazed tile & tub surrounds in both baths, this beautifully maintained 3-bedroom, 2-bath split-bedroom home is move-in ready. Inside, hardwood floors throughout—no carpet anywhere—add timeless warmth and charm. The spacious living room easily accommodates both lounging and dining, creating a welcoming setting for gatherings or quiet nights in. Tucked just beyond, the kitchen—with its updated counters and efficient design—keeps everything within reach, making it both practical and inviting. At the front entry, a screened porch with a swing offers a cozy spot to relax and greets guests with classic Southern charm before stepping inside. The primary suite provides a private retreat with its own full ensuite bath, perfect for unwinding at the end of the day, while the additional bedrooms are tucked on the opposite side of the home, creating comfort and privacy for family or guests. Fresh updates throughout mean you can move right in and immediately begin enjoying a home that feels both classic and refreshed. Beyond the walls, this location delivers the best of Florida living. Just minutes from the Milton Community Center, tennis courts, skate park, and ball fields, plus Carpenter’s Park and the Blackwater Heritage Trail for walking and biking. Outdoor enthusiasts will love kayaking the Blackwater River or Coldwater Creek, camping or ziplining at Adventures Unlimited, glamping with friends, or hiking through Blackwater River State Forest. You’re also a short drive from historic downtown Milton, where local cafés, breweries, and riverfront festivals create a vibrant small-town atmosphere. With schools, shopping, and easy access to major roadways nearby, this home delivers both modern updates and a lifestyle full of adventure and convenience.
Source: PENSACOLA #670189
Neighborhood
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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.