12002 Washington St, Seffner, FL 33584
3 beds · 2 baths · 1,509 sqft
Home Sweet Home!!! The time is NOW to own a one of a kind home in Central Florida, situated on a Double Corner LOT with 3 generous size Bedrooms, 2 Bathrooms, an Office and a private fully screened SOLAR HEATED POOL! Best of all there is NO HOA and NO CDD so bring the RV, Boat and Trailer because there is plenty of room to spread out! Walking to the front door, you're greeted by beautiful unique landscaping with a private outside porch, plenty of space for a table & sitting area. Entering the front door, you're welcomed by a nice foyer area guiding to the WIDE-OPEN SPACIOUS Family Room w/Hard Wood flooring. The dining area, just off the kitchen, has enough space for a large family sized dining room table providing an elegant yet relaxed setting. The kitchen provides an ample amount of space including a nice size breakfast bar, plenty of cabinets for storage, Granite Countertops, Stainless Steel appliances including a double oven. This home has a 2 car garage, a separate laundry room and it also features an OVERSIZED OFFICE/DEN that can easily be a 4th bedroom! Exterior highlights include a private Pool with screened enclosed lanai with sitting areas all around the pool. The backyard is fully fenced, including a newer Wood fence. A separate Double Gated entrance on the East side of the property leads to a Carport attached to an enclosed Workshop w/electricity, spacious enough as a one car garage (once used to refurbish Cars)! Walk thru the screened Lanai for access to the enclosed HEATED Sauna located next to the Pool, providing an addition relaxation option after a long day! For added convenience, just outside the screened Lanai area is another Storage Shed for Pool Equipment and your many toys. The well maintained St. Augustine grass will catch your eye along with gorgeous landscaping, a sprinkler system, and a raised wooden garden area along the side of the home to grow your own veggies. The well is for watering the grass and landscaping; the home is on county water. This home has so many extras and upgrades, it's hard to list them all, including 2 Electric Panels (most recent panel added in 2016), a 12k Watt Generator for the entire home, custom made Hurricane window inserts, a newer High efficiency Pool Pump, NEW AC installed in Nov. 2024, Alarm and Security System with 8 recording cameras. The perfect location, just minutes to major highways, I-75 and I-4! Living in Central Florida is the best of both worlds, just take your pick, travel West to Tampa, Clearwater/St. Pete Beaches or East to Coastal Beaches and Orlando. Just minutes to shopping, restaurants, grocery stores, Brandon Mall, Ybor and Downtown Tampa. Schedule a private showing to view your new home! Ask about Seller's 2.75 fixed rate Assumable Mortgage balance.
Source: STELLAR #TB8340077
Financials
Source: STELLAR #TB8340077
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.