10418 Upton St, Spring Hill, FL 34608
3 beds · 3 baths · 2,411 sqft
Welcome to this charming meticulously maintained, custom-built Alexander home in the heart of Spring Hill, offering the perfect blend of comfort, style, and functionality. Featuring 3 bedrooms and 3 bathrooms, this home is ideal for families and those who love to entertain. The spacious split floor plan ensures privacy, with the large master suite located on one side of the home, complete with en-suite bathroom. The additional bedrooms are equally generous in size with walk-in closets, and the third bedroom offering built-in cabinets, perfect for extra storage or a home office. One of the unique highlights of this property is the hidden bonus room in the oversized garage—a secret office space, ideal for those working from home or seeking a private retreat. The garage also offers ample storage, while the expansive driveway accommodates multiple vehicles. Step inside the inviting great room with high ceilings, providing the perfect atmosphere for family gatherings. A separate dining room and a cozy eat-in kitchen with a picturesque window overlooking the backyard make mealtime enjoyable. An indoor laundry room adds convenience to your daily routine. The true gem of this home is the outdoor space, designed for Florida living at its finest. Take a dip in the screen-enclosed, HEATED SALTWATER POOL, resurfaced and retiled in 2021, and enjoy the convenience of the full pool bath with a shower. The expansive covered lanai is perfect for outdoor dining, relaxing, or hosting get-togethers, while the large, fenced-in yard offers plenty of space for family activities and pets. This home has been thoughtfully upgraded with a new fence (2023), garage screen (2023), vinyl laminate flooring (2021), low-flush commodes (2018), new gutters (2018), and exterior paint (2018). The roof, replaced in 2015 with a plank undercarriage, and the new HVAC system (2023) ensure long-lasting comfort and efficiency. Additional features include all-new ceiling fans throughout and a backyard shed with electrical options for extra storage or a workshop. Best of all, this property is located in a NO HOA, NO CDD, and NO FLOOD INSURANCE zone, providing you with a hassle-free lifestyle in a highly sought-after area. This home offers unmatched quality, value, and charm—schedule your showing today and experience it for yourself!
Source: STELLAR #t3553015
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3553015
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: #t3553015
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.