109 Turtle Run, Umatilla, FL 32784
3 beds · 2 baths · 1,982 sqft sqft
Looking for a quaint, cozy, peaceful and beautiful "village" neighborhood to call home? This home should be on the top of your list! With 14 Key West themed homes and a beautiful view of Lake Enola, you are going to fall in love with your village. This home is equally appealing for it offers space, comfort, affordability, convenience and luxury. Pulling up to the curb, you notice high curb appeal with a beautiful design, lively colors, Key West style architecture with high roofs and large front porches. Stepping inside, you are greeted with a foyer, living room and dining room offering decorative posts, high volume ceilings with crown molding, beautiful luxury vinyl plank flooring, energy efficient windows for natural light, tall baseboards and spacious rooms. The living and dining rooms offer plenty of space to relax and entertain. The main rooms are open to the large remodeled kitchen which features luxury appliances, two sinks, designer faucets, 40” upper cabinets topped with crown molding, granite counter tops, recessed lighting and a breakfast nook. The farmhouse sink provides accessibility without sacrificing beauty, quality or function. The appliances include a chef's Café French-door built-in convection oven, Samsung induction cook-top range, Samsung venting hood, Samsung stainless steel dishwasher and a Samsung smart refrigerator. You are going to fall in love with this kitchen! The comfortable owner’s suite offers privacy, a walk-in closet and an en-suite bathroom which has dual sinks and a large garden tub/shower. The two spacious secondary bedrooms are across the home and share a hall bath. The third bedroom could easily be your perfect den or home office. The home has a front porch and a rear, screened lanai giving you year round outdoor enjoyment. The attached, 2-car garage is in the rear and offers a large driveway for extra parking. The home has many ADA accessibility features giving you comfort and convenient use. The home's recent updates include a new chef's kitchen with a $20,000 appliance package, a long-life metal roof installed in 2018, new energy efficient windows in 2023 and a new hot water heater in 2023. Being a Key West themed neighborhood, each home has an inviting front porch intended to bring the neighbors together. In the cul-de-sac you will find a memorial to our veterans and POWs. Guest parking is plentiful with a paved lot. The HOA has a dock on Lake Enola offering you great views with peace and quiet. The affordable monthly HOA fee includes water and lawn service. The HOA works hard to keep the monthly fee low! Downtown Umatilla is a moment away while downtown Eustis is approximately 5 miles away. The area is known for easy living and offers scenic lakes, historic small towns like Mt. Dora, Tavares, Eustis, plenty of entertainment, great shopping and dining along with quality healthcare. This is a 55+ neighborhood that offers up to 20% of the occupants to be less than 55. Call today for more details and to schedule your private tour!
Source: STELLAR #t3506487
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3506487
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: #t3506487
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