11752 W Valley Spring Ln, Homosassa, FL 34448
4 beds · 3 baths · 3,059 sqft sqft
WATERFRONT POOL HOME IN RIVERHAVEN VILLAGE! Corner Lot nestled at the end of a short canal that leads right out to the Homosassa River, this 4 bedroom (incl. In-Law Suite) plus office, 3 bathroom home was built in 2018. The split floor plan gives privacy to the grand Master Suite which offers ample space and dual closets. The en-suite Master bathroom is equipped with a large double vanity and a luxurious soaking tub, perfect for unwinding after a day on the water. Entering the back portion of the home is a versatile Guest/In Law Suite featuring its own private bathroom and an additional sitting area for extra comfort and convenience. The kitchen features white cabinets, modern appliances, and a walk-in pantry. Move through tall sliding glass doors that are in each room of the back of the house, including both living rooms, as well as the In-Law and Master Suite and you will find a beautiful screened lanai that features a propane heated saltwater pool and spillover spa that invites residents and guests to bask in the Florida sun. 2 car garage with decked attic space above for extra storage. This Home sits High & Dry with stem-wall construction raising it over 10ft which greatly reduces the cost of flood insurance (transferrable policy). NEVER FLOODED during Hurricane Helene's Record Storm Surge! Private Boat Dock at the end of canal eliminating boat traffic. Being a part of Riverhaven Village new owners will have access to a voluntary club membership that features amenities such as pool, tennis courts, pickleball courts, library, clubhouse, children's playground and dog park. Zoned for Homosassa Elementary, Crystal River Middle and Crystal River High schools. The property itself is located in Homosassa in the heart of the Nature Coast! Of course, you will have some of the best fishing, boating, kayaking, biking, trails and all that the area has to offer! The Suncoast/Veterans toll road is just over 2 miles from this home, which can get you to the Tampa airport in just about an hour. Don't miss this opportunity!
Source: STELLAR #t3552577
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3552577
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: #t3552577
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