10431 Granning Ln, New Port Richey, FL 34654
4 beds · 3 baths · 2,937 sqft sqft
Welcome to your Southern Charm Dream home! This stunning residence boasts nearly 3,000 sq. ft. of living space, perfectly situated on over an acre of lush land in the desirable community of Golden Acres, New Port Richey. Step inside to discover beautiful hardwood floors throughout, complemented by custom updated bathrooms and a chef’s kitchen featuring custom cabinets with ample storage and drawers. This unique 3-way split floor plan includes a fourth bedroom and third bathroom upstairs, ideal for guests, young adults or a private office. The dining room is currently being used as a craft room and the size, lighting and location of the room provides a variety of possible uses. The primary bedroom features a room length brick accent wall and not one, but two large walk-in custom-designed closets, providing plenty of space for your wardrobe. The en-suite provides a claw foot garden tub with a custom designed walk in door less shower and privy room. All enhanced by an accent wall, custom vanity and barn door. Enjoy your morning coffee or evening sunsets from the spacious wrap-around porch, a perfect spot to soak in the serene surroundings. The expansive paver patio invites you to entertain, cook out under your own private pavilion with metal roof while the sparkling saltwater pool offers a refreshing escape on warm days. Enjoy the convenience of a detached garage with a workshop, a three-car carport, and a charming chicken coop for those with a green thumb or love for fresh eggs. This home is perfect for those seeking a blend of comfort, functionality, and Southern charm. Great location at Little Rd and Jasmine with quick access to US 19 or 589 via Ridge or SR 52. Don’t miss your chance to own this piece of paradise! Schedule your private tour today!
Source: STELLAR #w7868613
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #w7868613
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: #w7868613
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.