89 Sienna Ct Santa Rosa Beach, FL 32459
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About this home
Nestled along the prestigious Emerald Coast, this exceptional property offers an unparalleled blend of elegance, privacy and convenience. Located in a highly sought-after private, non-rental community with only 18 homesites, this home provides a serene, secure and exclusive lifestyle just steps away from the pristine white sands and emerald waters of the Gulf of Mexico.The main residence has been meticulously designed to combine coastal charm with modern functionality. With three spacious bedrooms and three and a half baths, this home provides ample space for family and friends while maintaining a sense of luxury and comfort. High ceilings, luxurious finishes and an abundance of light create an inviting and sophisticated atmosphere. Adjacent to the main residence is a fully equipped carriage house, offering a separate entrance for enhanced privacy with one bedroom, living area and kitchen. This versatile space is perfect for guest accommodations or multi-generational living. The outdoor amenities are nothing short of extraordinary. A large pool is surrounded by lush, professional landscaping, creating a tranquil oasis ideal for relaxation or entertaining. Curated garden pathways with strategically placed lighting enhance the space, offering a magical ambiance that transitions seamlessly from day to night. Situated within Little Redfish Lane, this property offers not only a peaceful environment but PRIVATE BEACH ACCESS Whether paddle boarding, beachcombing or simply enjoying breathtaking sunset views, the Emerald Coast is your backyard. This home represents a rare opportunity for discerning buyers. It's perfect as a primary residence, a second home, or a legacy property, with significant long-term investment potential in one of the most exclusive areas along the coast.
Source: EMERALDCOAST #966098
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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.