10489 113th Ave, Largo, FL 33773
4 beds · 2 baths · 1,883 sqft
Dive into Florida Living! Imagine a home that flows as seamlessly as your Florida lifestyle. This beauty has new interior paint, luxury vinyl plank in living and wet areas, and offers an effortless open floor plan that features a welcoming living room and a stylish, updated kitchen, complete with newer stainless steel appliances and a walk-in pantry for all your culinary creations. A dedicated flex space off the kitchen can become your formal dining room or a cozy den – the choice is yours! Downstairs, you'll find three bedrooms with new carpet. Unwind in the spacious main bathroom featuring double sinks and a luxurious fully tiled shower. But wait, there's more! The coolest feature might be upstairs. The sprawling primary bedroom suite boasts a large bedroom, an additional loft area – ideal for a reading nook, at home office or private sitting area – and a bathroom for ultimate relaxation. Enjoy the fenced backyard with a large paver patio, perfect for hosting barbecues, letting pets play, or simply soaking up the sun. Peace of mind comes with a recently replaced water heater (2024) and an A/C unit and roof that are both in excellent condition (installed 2016). Location is Key! This gem is just minutes from the amazing white sandy beaches you crave, while also being close to Lake Seminole, numerous parks, and all the shopping and dining options you could ever desire. Schedule your showing today and start living the Florida dream!
Source: STELLAR #t3539473
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3539473
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: #t3539473
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.