11980 Valencia Ct, Seminole, FL 33772
3 beds · 3 baths · 1,922 sqft
Get a free consultation call with an expert in the mortgage assumption process.
$10,000 PRICE REDUCTION AND NEW ROOF JUST INSTALLED!!! IT'S TIME TO MAKE YOUR OFFER. This home boasts an ABUNDANCE OF OPEN PLAN LIVING SPACE and craves its new owners to enjoy this great household. 3 bedrooms and a BONUS ROOM, 3 FULL BATHS, a GENEROUS SIZED LIVING ROOM, KITCHEN AND MASTER BEDROOM makes this desirable home a NUMBER ONE CHOICE. The living room offers a LIGHT BRIGHT SETTING, featuring a WOOD BURNING FIREPLACE, 2 ceiling fans and recessed lighting with 2 settings for the atmosphere you choose. There are glass patio doors from the living room that open up to the 10x15 COVERED OUTDOOR PATIO with pavers and lighting. From there the LARGE BACKYARD can be appreciated by pets, family and for weekend and Holiday barbeques. Not only that, it’s roomy enough for you to store an RV, BOAT, etc. and still have left over area for those outdoor activities. ALL RV OWNERS TAKE NOTE THAT THE BACKYARD IS EQUIPTED WITH ELECTRIC, WATER AND POSSIBLE SEWER ACCESS. All those that LOVE TO SPEND TIME IN THE KITCHEN will find that it offers a perfect place to create your favorite foods and deserts, while still being able to have the company of the family near. There are PLENTY of SOLID WOOD CABINETS with an AMPLE AREA OF GRANITE COUNTERTOPS, an LG FRENCH DOOR NEWER REFRIGERATOR, convection oven with glass top burners, a build in desk and BREAKFAST BAR. The oversized dinette area can serve as a formal dining room if desired. The living room, dinette area, kitchen and Bonus room have ENGINEERED BAMBOO FLOORING. The Master (Primary) bedroom has a HUGE EN-SUITE BATHROOM WITH a GARDEN TUB, SEPARATE SHOWER, DUAL SINKS and a considerably LARGE WALK IN CLOSET (6X11). Bedroom 2 is bright and cheery with its own cedar lined walk in closet. The 2nd bathroom has recently been nicely remodeled with a new vanity, faucet, mirrored cabinet, light fixture, toilet and window. The 3rd bedroom and bath is situated as a split bedroom plan along with the BONUS ROOM that can be made into a 4th bedroom, office, playroom or whatever you need it to be. The laundry area is off of the Bonus room and has a door leading to the side yard. A 10x12 (12ft high) shed sits at the side yard. The driveway has been redone with new concrete and there is a parking pad to its side. The front yard presents a Bismarck palm tree and lighted lamppost. Brand new hot water heater (2025) and newer insulated exterior doors. HVAC 2010. THIS HOME IS LOCATED IN AN X FLOOD AND NON EVACUATION ZONE. Great Seminole location just steps to the Pinellas Trail, close to schools, restaurants, shopping, movie theatre, gyms, parks, and a 10 minute drive to our amazing BEACHES and stunning SUNSETS. Make this house your home. Please note: Measurements of room sizes are approximate.
Source: STELLAR #TB8357394
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8357394
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.