10176 SW 96th Loop, Ocala, FL 34481
2 beds · 2 baths · 1,469 sqft
Welcome to On Top of the World, where maintenance-free living meets modern convenience in the heart of Longleaf Ridge! This stunning 2-bedroom, 2-bathroom smart home, complete with a flex room, is designed for comfort, style, and easy living. The Tamar is a well-designed floor plan with luxury vinyl flooring throughout the living areas. LED pot lighting and remote-controlled Hunter ceiling fans create a bright and inviting atmosphere. The window treatments, featuring Bali solar blinds and curtain rods with grommet curtains, add a touch of sophistication to every room. The kitchen is a chef's dream, with soft-close Wellborn cabinets in a chic Pale Grey, complete with a Lazy Susan and pullout drawers for maximum storage. Quartz countertops, LED undercounter lighting, and a large peninsula island provide the perfect space for cooking and entertaining. The KitchenAid stainless steel appliances, including a gas range, microwave, refrigerator, and dishwasher, ensure you have all the modern conveniences at your fingertips. The living room, office, and porch have ceiling fans. The primary bedroom is a tranquil retreat, boasting a spacious walk-in closet with a custom closet system and an en suite bathroom with an edgeless glass walk-in shower and bench. Both bathrooms feature Quartz countertops, upgraded faucets, comfort-height toilets, and beautifully tiled floors and walls. Additional features include a well-appointed laundry room with Closets by Design upper cabinets and an LG washer and dryer. The garage has a dedicated circuit for golf cart charging, a whole-house hot water circulator, an insulated garage door, and an epoxy floor with a lifetime warranty. Outdoor living is a joy year-round, with a spacious extended lanai offering stunning sunrises and sunsets. The lanai is equipped with solar screening, cobble flooring, a dog door, and removable panels for the Lanai window. A stone wall and adjacent fenced area provide additional privacy and a place for your pets. This community offers an active and vibrant lifestyle, with amenities including dog parks, regular neighborhood gatherings, and easy access to the best of local culture, including music, theater, and the World Equestrian Center. The central location also provides convenient access to the VA facility in Gainesville, ranked the second-best in the nation, and even offers views of rocket launches from the neighborhood cul-de-sac. The HOA covers mowing, weeding, lawn pest control, soil enhancement, recycling, and trash pickup, ensuring a truly maintenance-free lifestyle. Near Summit Lodge, new swimming and resistance walking pools are due to open in Q1 2025 along with 3 golf courses with one as Executive. Don't miss your chance to be part of this wonderful community where comfort, convenience, and community come together. Welcome home to On Top of the World in Longleaf Ridge! A new clubhouse facility is being built behind the home. The clubhouse and pools will be in the far northeast corner, with the home on the southwest corner. A Shrub hedge will be planted along the property lines between the homes that arc to the right and northeast side of our house. The completion date is September 2025.
Source: STELLAR #gc524711
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #gc524711
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #gc524711
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.