11346 Dean St, Spring Hill, FL 34608
3 beds · 2 baths · 1,300 sqft
Nestled beneath the welcoming shade of majestic trees, this meticulously maintained 3-bedroom, 2-bathroom, 2-car garage, home features both a lanai & private office that offers your ticket to effortless living. The home's charming & contemporary exterior invites you in, where you'll be greeted by high ceilings and an open floor plan that seamlessly connects the living and dining areas & Large windows providing clear views of the natural landscape & natural lighting from each. The bright kitchen, featuring ample cabinet space & is ready to serve the adjacent dining room, making meal preparation and entertaining a breeze. Split bedrooms offer privacy, and the spacious closets and extra storage throughout ensure you have plenty of room for all your belongings. A dedicated inside laundry room and a 2-car garage with its own private office space caters to modern living needs, especially for those who work from home. Step outside to enjoy your morning coffee on the screened lanai, which overlooks a large .32 Acre corner lot with mature trees providing privacy and shade from all sides. Situated in a peaceful neighborhood, this home offers a blend of comfort and convenience without the hassle of homeowner association fees/restrictions or the need for flood insurance. Ample parking spaces are available, catering to all your needs, with room for all your boats and toys. The generous & private backyard is perfect for entertaining or relaxing, with enough space for night time bonfires, or to install your own pool/jacuzzi, creating your own tropical oasis to enjoy year long! This home is ideally located close to shopping, restaurants, and beaches. Nearby attractions include the warm waters of the Gulf of Mexico, Pine Island Beach, and Weeki Wachee Springs. Outdoor enthusiasts will appreciate access to kayaking, tubing, bike trails, horseback riding, and motocross. The area also boasts numerous golfing options and convenient access to shopping, dining, and medical facilities along Hwy 50 and US 19. Proximity to major highways ensures easy travel to Central Florida's theme parks, Tampa's cultural attractions, and both Tampa International and Saint Pete Airports. Top-notch healthcare facilities are also within close reach. Whether you're seeking a personal retreat or an investment opportunity with potential for seasonal rental or Airbnb, this property offers endless possibilities for enjoying the vibrant Florida lifestyle. Embrace the adventure and make this your own slice of paradise today. Call to schedule your private tour! This home can be purchased with an assumable mortgage with an interest rate of 3.49%
Source: STELLAR #t3543077
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3543077
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: #t3543077
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.