1107 N Valencia Ave, Howey In The Hills, FL 34737
3 beds · 2 baths · 1,856 sqft sqft
Welcome to your dream home in the picturesque community of Howey-in-the-Hills, nestled on Little Lake Harris—a true paradise for boating and fishing enthusiasts. With NO HOA, this is the perfect place for your family to grow, create lasting memories, and truly call home. This charming, low-maintenance, move-in-ready 3-bedroom, 2-bath residence sits on a beautifully landscaped .28-acre lot with well for irrigation, showcasing pride of ownership throughout. Recent updates include: Roof (2024), Exterior Painted (2024), remodeled Kitchen, updated Bathrooms, new Flooring, and much more. The open floor plan boasts a kitchen with granite countertops, newer appliances: refrigerator, dishwasher, cooktop, hood, microwave, and an expansive breakfast bar with lots of counter space. The bedrooms are on a split floorplan to provide privacy. The primary bedroom features an oversized walk-in closet as well as an ensuite bathroom with a walk-in shower. The versatile third bedroom can easily serve as an office or den. Enjoy entertaining in the spacious dining and living areas, complete with a cozy wood-burning fireplace. Sliding doors lead to your Pool, housed within a screened enclosure, perfect for outdoor gatherings, cookouts, and celebrations. Additional features include a circular driveway, large Two Car Garage, Privacy Fenced Yard with mature tropical landscaping framed by majestic oak trees. Enjoy the local library, restaurants, and salons, you’ll have everything you need right at your doorstep. Nature lovers will appreciate the proximity to the nature preserve, lakefront park, playground, and fishing pier. Plus, you can easily launch your boat from the nearby public boat ramp (small fee). Golfers will enjoy the close proximity to indulge in the two championship 18-hole golf courses located at Mission Resort. This property beautifully combines small-town charm with convenient access to city amenities. You’ll be pleasantly surprised by the nearby Publix, Winn-Dixie, and various dining options. With the Turnpike just minutes away, your commute to Orlando, the airport, and attractions like Walt Disney World, SeaWorld, and Universal is effortless—all within a 40-minute drive. Don’t miss this incredible opportunity to make this your new home!
Source: STELLAR #g5088524
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #g5088524
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: #g5088524
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.