11329 Southwind Lake Dr, Gibsonton, FL 33534
3 beds · 2 baths · 1,911 sqft
Step into your dream home in the heart of an established community with NO CDD fees and LOW HOA COSTS! This stunning custom-built 3-bedroom, 2-bathroom residence comes with a 2-car garage and features such as 10 ft tray ceilings, 8ft doors, custom windows, and all bedroom fans. Upon entry into the foyer, you'll be embraced by the generous living space and formal dining room. This sets an inviting ambiance, with porcelain tile flooring throughout ensuring both practicality and style combined within this home. The central focus of this property resides within the beautiful kitchen and family room combination - an ideal setting for entertaining or intimate family gatherings. The kitchen offers granite counters, wood-faced cabinets, a full set of appliances, including a newer stainless steel french door fridge and microwave oven, under cabinets' lighting along with ample eating space. The effortless transition into the family room creates a comfortable living area destined to become the core of daily activities. Find sanctuary in the extended master suite which promises relaxation at every turn! The spacious master bathroom showcases a tub and shower, twin sinks, and two separate walk-in closets - providing a personal oasis designed for ultimate comfort. Two additional rooms are available to cater to larger families or visitors; one currently serves as an office featuring a Murphy bed that can convey. With newer AC installed as well as updated sinks, toilets, and faucets throughout - there's nothing left to do but move in! Outside fenced yard offers privacy alongside plenty of space for outdoor enjoyment; including both fire pit & concrete pad areas which provide opportunities for leisure or gardening. Plans for an outdoor lanai are available from sellers if you wish to complete this feature yourselves, upon taking ownership. The garage has an exhaust fan, workbench, and storage area. ADT security system is already connected & transferable should you desire. This adds peace of mind to new owners. Convenient location only minutes away from schools, shops & restaurants paired with easy access to I-4 & I-75 – ensuring commuting couldn't be simpler! Move-in ready, this custom home is a rare find - only one of a few upgraded models in this established community. Don't miss the opportunity to make it yours and start creating lasting memories in this perfect blend of comfort and style!
Source: STELLAR #t3523400
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3523400
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: #t3523400
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.