11754 Laurel Oak Ln, Parrish, FL 34219
4 beds · 3 baths · 2,832 sqft
Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Dive into the Florida lifestyle with this exceptional pool home, nestled in the coveted guard-gated River Wilderness community in Parrish! This spacious 4-bedroom, 3-bathroom gem features a smart split floor plan, including a private guest suite with its own ensuite bath—ideal for visiting friends, family, or as an in-law suite. With generous living spaces, everyone can enjoy their own corner of comfort. Step inside to discover a bright, flowing layout where natural light pours in from every angle. The open kitchen is a chef’s dream, equipped with a Butler’s pantry, under-cabinet lighting, and plenty of counter space and storage—perfect for whipping up gourmet meals. Retreat to the primary bedroom, offering direct access to the screened lanai, pool, and spa. Enjoy the luxury of double walk-in closets and a spa-like ensuite bathroom that promises relaxation at the end of the day. The outdoor lanai is your private oasis, perfect for al fresco dining, complete with an outdoor kitchen, lush mature landscaping, and a year-round swimming pool with a child safety fence available. Recent updates ensure peace of mind, with all major components replaced within the last four years: a new roof with gutters (2023), an updated garage with a built-in workbench and its own mini-split AC (2022), enhanced electrical wiring on the lanai (2023), impact-resistant windows (2023), and a modern HVAC system with a UV light (2020/2022). This home sits on over half an acre of lush land, offering a 3-car garage, a spacious home office, and a portable generator with its own electrical panel—ensuring you’re always prepared. Located on a quiet cul-de-sac in a well-established neighborhood, it perfectly balances privacy and community. Families will love the convenience of nearby schools, parks, and recreational amenities. This home is move-in ready with all the essentials in top-notch shape, just waiting for your personal touch. Don’t miss your chance to own this slice of paradise and start making lasting memories in the ultimate Florida setting.
Source: STELLAR #a4609062
Source: STELLAR #a4609062
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: #a4609062
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.