105 Blue Alice Spring Ct, Ruskin, FL 33570
3 beds · 2 baths · 1,542 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your move-in ready, nearly new (built in 2022) single-family home located in the highly desirable River Bend West community! Offering a split-bedroom floor plan, this beautiful 3-bedroom, 2-bathroom home includes energy-efficient double-paned windows, luxury vinyl plank flooring, vaulted ceilings, a spacious 2-car garage, and a fully fenced backyard with gated access for convenience and privacy. Curb appeal shines from the moment you arrive with meticulously maintained landscaping, complete with solar lighting to highlight the welcoming walkway. Step inside to a bright, open foyer that invites natural light through a charming front window, creating a warm and inviting entryway for your guests. Beyond the foyer, the stunning family room features soaring vaulted ceilings, luxury flooring, and large sliding glass doors that lead directly to a covered and screened lanai. Perfect for entertaining or relaxing, this seamless indoor-outdoor living space allows you to enjoy Florida's year-round sunshine and breezes in comfort. The heart of the home — the kitchen — offers impressive upgrades including Samsung stainless steel appliances, rich dark mocha cabinetry with crown molding, a spacious closet pantry, and striking under and over-cabinet LED lighting that can adjust to fit your mood. The expansive breakfast bar is perfect for casual meals, while the nearby dining area is illuminated by an oversized window that floods the space with natural light, creating a cheerful atmosphere for daily living. Tucked away for privacy, the primary suite is generously sized, easily fitting a king-sized bed, nightstands, dressers, and additional seating. The luxurious ensuite bathroom offers a true spa-like retreat with double vanities, a large mirror, a garden soaking tub adorned with ceramic tile and decorative glass accents, and a walk-in shower featuring floor-to-ceiling tile, a rain showerhead, and built-in corner shelving. A spacious walk-in closet completes this perfect retreat. Two secondary bedrooms, located on the opposite side of the home, each offer ample closet space, large windows for natural light, and convenient access to a stylish guest bathroom. The guest bath is beautifully finished with full-height tile in the tub/shower area, decorative glass tile accents, and an adjacent linen closet for added storage. A well-placed laundry room between the kitchen and garage doubles as a functional mudroom, offering built-in convenience for busy days. The backyard is a private oasis with a full vinyl privacy fence and generous green space — ideal for pets, gardening, or outdoor gatherings. The covered lanai extends your living space, making it the perfect place to enjoy your morning coffee or evening sunset. River Bend West offers a variety of amenities to enhance your lifestyle, including a resort-style pool, a playground, a dog park, and a waterfront fire pit area where residents can gather and enjoy the tranquil views. With an unbeatable location just minutes from I-75 and US-41, this home is located in a NO flood zone and offers easy access to downtown Tampa, St. Petersburg, MacDill Air Force Base, shopping centers, parks, and Florida’s beautiful Gulf Coast beaches. This meticulously maintained home truly offers the perfect combination of style, comfort, and convenience. Don’t miss your chance to own a piece of paradise — schedule your private showing today!
Source: STELLAR #TB8377576
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 #TB8377576
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.