935 Indian Woman Rd Santa Rosa Beach, FL 32459
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About this home
Discover the perfect blend of comfort and coastal charm in this beautifully maintained single-level home, built in 2021 and offering four bedrooms, two full bathrooms, and approximately 2,030 square feet of thoughtfully designed living space. Ideally situated along the highly sought-after 30A corridor, this residence captures the essence of relaxed Florida living with modern finishes and effortless functionality.An open-concept layout seamlessly connects the kitchen, dining area, and living room--creating an inviting space that's ideal for everyday comfort and entertaining alike. The kitchen features stainless steel appliances and designer touches from the original plan, while the spacious primary suite provides a peaceful retreat. Three additional bedrooms offer flexibility for family, guests, or potential rental use. The single-story design adds ease of living, complemented by a two-car garage, energy-efficient central HVAC, and the peace of mind that comes with newer construction and minimal maintenance. Situated on a lot of over 6,200 square feet, the home also offers a nicely sized yardperfect for outdoor enjoyment or future enhancements. Located just minutes from the Gulf beaches, the bay, 30A shopping and dining, and local amenities, this home offers an ideal mix of tranquility and convenience. With its turn-key readiness, modern construction, and prime coastal location, this Santa Rosa Beach gem stands out as an exceptional opportunitywhether you're seeking a primary home, a coastal escape, or a smart investment property.
Source: EMERALDCOAST #987880
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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.