1212 Payne Stewart Dr, Davenport, FL 33896
3 beds · 3 baths · 1,912 sqft
Welcome HOME to 1212 Payne Stewart Dr in the highly sought after Vistas at ChampionsGate community!! Newer built home in 2019 that has been very well maintained, AC serviced every 6 months, and has recently been professionally deep cleaned - This elegant 3-bedroom, 2 1/2-bath townhome with a spacious 2-car garage offers the perfect blend of luxury and comfort with a well-designed open floor plan. The main level comes equipped with a guest half bathroom and upgraded LVP (luxury vinyl plank) floors all throughout. Impress your guests in the heart of the home equipped with a modern kitchen with a chef’s kiss including full tile backsplash, quartz countertops, an expansive island, 42” Shaker-style cabinets with crown molding, upgraded Stainless Steel "fingerprint proof" appliances, and recessed lighting fixtures. The open layout connecting to the dining and living areas make this space perfect for entertaining and family gatherings. Upstairs, rest and relax in the luxurious master suite, highlighted by a tray ceiling, ceiling fan, and a large walk-in closet. The ensuite bathroom feels like a spa, with a soaking tub, walk-in shower, and dual vanities for added comfort and convenience. Two additional spacious guest bedrooms share a modern bathroom with a tub/shower combo, ideal for guests or family. Step outside for fresh air to your charming backyard, featuring an extended paver patio, perfect for relaxing or hosting outdoor get-togethers. A Smart doorbell and thermostat are included for extra convenience and energy savings. Living at The Vistas at ChampionsGate offers resort-style living at its finest- Tee off at one of the nearby Greg Norman-designed golf courses, or enjoy the exclusive amenities of The Vistas Club, including a golf simulator, fitness center, wet sauna, game room, and a resort-style pool with a heated spa and lazy river. You'll also have Bonus HOA benefits that include cable, internet, phone, exterior maintenance, lawn care, pest control, and valet trash service! Just minutes away from world-famous attractions like Disney World, Universal Studios, and SeaWorld, Champions Gate Country Club, easy access to I-4, Highway 27, and 192, you're perfectly positioned to explore all that Central Florida has to offer to enjoy a carefree lifestyle. Enjoy access to plenty of shopping, fine dining restaurants, hospitals, and attractions. Whether you're looking for a primary residence, a vacation getaway, or an investment property, this home checks all the boxes! Don't miss your chance to upgrade both your living and your lifestyle in this wildly popular location of ChampionsGate. Call us today for a private showing and let's make this luxurious townhome YOUR OWN!!
Source: STELLAR #O6295165
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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
Source: STELLAR #O6295165
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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 of Equal Opportunity Act.