1009 3rd St E, Bradenton, FL 34208
4 beds · 3 baths · 3,222 sqft
Get a free consultation call with an expert in the mortgage assumption process.
BOATERS - PRICE ADJUSTMENT: Luxury Waterfront Living with Private Dock, Boat Slip and Jet Ski lift, experience stunning views & gorgeous landscapes in this spectacular four bedroom, three full bath and three car garage with extra storage & workbench, outdoor veranda & covered lanai with pool overlooking the pristine Harbor of Riviera Dunes with deep water access and low hoa fees, no cdd fees. Whether you prefer beautiful sunsets or an early morning fishing trip, your resort-like home is waiting for you. Built in 2002 and thoughtfully updated, this home features an UPDATED 2024 gourmet chef’s kitchen with high-end appliances, a culinary island, custom pull-out cabinetry, quartz countertops, a huge walk in pantry, separate butler’s bar with wine cooler, desk area. built-in refrigerator, gas cooktop and double ovens, new ice maker, trash compactor, and reverse osmosis drinking system. The formal living/dining space doubles as a game room with pool table, crystal chandelier and custom built-in bar buffet. Be drawn to the beautiful water views in the great room with large sliding glass doors, high ceilings with twirling tropical fans and a monkey, a gas fireplace & mantel for warmth and charm. The south-facing primary suite serves as a sanctuary with remote-operated window coverings, a luxurious en-suite bath, a recently updated walk-in shower, and a walk-in closet. Additional home highlights include: New A/C system, cement tile roof, solid core doors, plantation shutters, high ceilings, large indoor storage room, built-in surround sound speakers, accent lighting, central vacuum cleaning, custom tile flooring, luxury lighting and fans with Alexa compatibility, fiber optic internet. Also never worry about a power outage with a newly installed whole-home (& dock) generator. Step outside to your backyard retreat and take a dip in the new pool with heater & chiller and added seating in pool on your expansive travertine veranda outlined with a fence. Or relax under your private covered lanai with luxury fans, extended remote sun shades, outdoor showers, wired for tv, and gas grill and firepit hookups. A perfect place to entertain family and friends. Located in a gated community with top-tier amenities where residents enjoy friendly neighborhood gatherings, a clubhouse, a fitness center, pool, tennis, and pickleball courts. Walk along the palm-lined streets with a private path to Docksides Restaurant, Tiki Bar & Marina. Enjoy magnificent harbor views from your private 60-ft floating dock & ramp with electric and water hookups, 50 amp power pedestal, extra pilings, includes a Jon boat, an electric small craft boat lift, and a dock-mounted fish cleaning table—grandfathered in and HOA-approved. Whether you're reeling in the day’s fresh catch or setting off on a new adventure, this home is a true boater’s paradise. Riviera Dunes is considered a sheltered deep-water harborage for yachtsmen seeking a safeharbor. Direct access to the Manatee River means you can explore the stunning waters of Tampa, St. Petersburg, Sarasota, or travel the Intracoastal Waterway. Conveniently located off major highways, Tampa international airport, hospitals, waterfront restaurants, gulf coast beaches and the favorite Detweiler’s Farm Market. Now is the time to make your dream of living the Florida Lifestyle come true with this beautiful home. Boaters - additional boat slips available for owners in the community. This is it!
Source: STELLAR #A4644721
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #A4644721
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.