11406 Chilly Water Ct, Riverview, FL 33569
5 beds · 4 baths · 3,834 sqft
One or more photo(s) has been virtually staged. Seller is MOTIVATED!! Welcome to this beautiful 5-bedroom, 3-bathroom home with a spacious 3-CAR TANDEM GARAGE, fenced backyard for privacy that backs to conservation AND located in a NO CDD COMMUNITY making this home more affordable! Discover luxury living in this stunning home boasting a separate dining area, a butler's pantry, and a huge walk-in storage pantry. The large kitchen features an expansive island, elegant granite countertops, a stylish mosaic tile backsplash, and stainless-steel appliances. The kitchen island commands attention as it overlooks the inviting eat-in breakfast area, seamlessly connecting to the spacious family room. This open layout enhances both functionality and comfort, providing a perfect setting for casual dining and relaxed gatherings. Enjoy the ease of accessing the screened covered lanai directly from the family room, perfect for savoring morning coffee or relaxing in the fresh air. Convenience meets luxury with the main bedroom conveniently situated on the first floor, offering a spacious layout that includes a huge walk-in closet. The en-suite bathroom features dual sinks, a shower, and a separate garden tub, providing a serene retreat within the comfort of your own home. With over 3800 square feet of living space, this home offers both UPSTAIRS and DOWNSTAIRS laundry rooms. Upstairs, discover a sprawling bonus room/game room, designed perfectly for entertaining. This expansive space offers endless possibilities, ideal for hosting gatherings, gaming sessions, or simply relaxing with family and friends. With its versatile layout and generous proportions, this room provides the ultimate retreat for leisure and social activities. You'll also find four spacious secondary bedrooms, each featuring WALK-IN COSETS and ceiling fans for comfort. These bedrooms offer ample space and privacy, perfect for family members or guests. Additionally, there are two full bathrooms, each equipped with dual sinks, making it convenient for sharing and accommodating daily routines. The oversized laundry room is a standout feature, making it effortless for large families to manage household chores. This home is thoughtfully designed to ensure both comfort and practicality for everyone and includes a Smart Home system with keyless entry, video doorbell & home security. Nestled in a gated community, residents enjoy access to an 80-acre freshwater lake, perfect for outdoor enthusiasts. Bring your kayaks, canoes, paddleboards, and fishing gear to indulge in nature-inspired activities. Beautiful upgrades like brick driveways and porches, smart home technology including video doorbell and keyless entry, ceiling fans throughout and fresh neutral paint throughout. NO CDD FEE & LOW HOA = lower payments! Conveniently located with easy access to interstates, shopping & restaurants.
Source: STELLAR #t3539695
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3539695
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: #t3539695
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.