746 SE 52nd St Keystone Heights, FL 32656
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About this home
Well-maintained 3-bedroom, 2-bath brick home offers 1,831 sq ft on just over half an acre. The large living room welcomes you with a bay window filling the space with natural light. A spacious 24 x 14 family room/den with its own closet could easily serve as a third bedroom, with a bay window and glass French doors. The dining area flows into a Florida/sun room overlooking the large fenced backyard. The kitchen has Corian countertops, maple cabinetry, a breakfast bar, closet pantry and two ovens—one built-in plus the range. The primary and second bedrooms each have walk-in closets. Upgrades include newer windows throughout, new HVAC, new roof and updated plumbing relocated to the attic. The oversized two-car attached garage offers a workbench, cabinet storage, and access to the kitchen through the laundry area with storage cabinets and work sink. Enjoy a fenced backyard with storage shed. Conveniently located just outside Keystone Heights—near Mike Roess Gold Head Branch State Park, Keystone Beach & Geneva Jungle, Palatka–Lake Butler State Trail, Keystone Heights Airport, and Florida International Rally & Motorsport Park. Only 30 miles to Gainesville and 60 miles to Jacksonville.
Source: STELLAR #GC533246
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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.