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1204 E Park Cir, Tampa, FL 33604

4 beds · 2 baths · 2,425 sqft

Living on the captivating HILLSBOROUGH RIVER is a much-desired lifestyle and here is your chance to take advantage of this rare opportunity! Beneath towering oaks, lies this UPDATED unique and fabulous 4 bed 2 bath 1 car garage Mediterranean-styled home. Stepping past the meticulously landscaped yard and into the home, a skylight allows the sun to cascade over the balustrades of the grand foyer in this multi-level property. Continuing up one flight to the main floor is an open concept living space complete with gleaming hardwood floors, a formal dining room, casual dining room, separate family room and chef’s kitchen. To the left are 2 spacious bedrooms each with ample closet space for storage and a full-sized bath with tub/shower combo, classic canary yellow wall tile and gorgeous mosaic floor tile. To the rear and just off the casual dining space is a 3rd bedroom which could also serve as the perfect office with a window that allows captivating views of your beautiful back yard and the river. The kitchen is just marvelous and features stainless steel appliances, granite countertops plus an industrial Kenmore 5-burner NATURAL GAS stove. Through French Doors in the casual dining space is one of two gateways to the outdoors and a stunningly gorgeous entertainment deck for that provides picture perfect views of the Hillsborough River. This luxurious home doesn’t stop there, as you head down to the lower-level private Primary Suite. On the way, you’ll pass a relaxing reading area as you make your way to another den living space and the Primary Suite. No stone is unturned in this luxurious retreat perfect for a California King Bed. The En-suite provides an indulgent location to bathe your worries away in a step-up oversized soaker tub plus a separate shower. Within the Primary Suite is one attribute that so many desire- a breath-taking walk-in closet with thoughtfully designed custom storage system. You must see it to believe it. Plus the expansive laundry room is also on this level. The second gateway to your back yard oasis is just off the den area as you arrive to a covered and screened lanai with a bubbling SPA. Entertain friends and family, catch a game on TV or relax in your warm spa- the possibilities are endless but don’t stop there, because the flora and fauna of your stunningly landscaped back yard awaits. Stepping outside you realize that you are in a true paradise flanked by majestic oaks and surrounded by a lush tropical landscape. Perfect for even more entertaining space for friends and family and just steps from what is the icing on the cake for this property…your own private dock on the Hillsborough River. When it’s time to sail to Downtown Tampa or beyond, your boat will be waiting for you and your guests or sit at the dock with a beverage and watch the Manatees frolic, listen to the birds sing and watch the fish jump. This home and grounds are a wonderful respite from the everyday grind, and it’s all right here in this stunningly beautiful and luxurious river front property. Situated in a vibrant Seminole Heights neighborhood, you are only minutes from I-275 that whisks you to Downtown Tampa, I-4, Tampa International Airport or the white sands of the famed Gulf Beaches. Schedule a showing today and don’t miss out! ROOF 2016, UPSTAIRS HVAC 2021, DOWNSTAIRS HVAC 2023, TANKLESS GAS WATER HEATER 2020.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
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Details
Home
Size
2,425 sqft
Lot size
0.19 acres
Year built
1942
Type
Single Family Residence

Source: STELLAR #t3544035

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

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.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

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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.

View all FAQs
Last updated: Sep 11, 2024 08:48 am
Listing agent: Carey Lewis (813) 446-7534
Listing provided courtesy of: LPT REALTY (877) 366-2213
Details provided by STELLAR and may not match the public record.
MLS ID: #t3544035
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.