12124 Tree Haven Ave, Gibsonton, FL 33534
4 beds · 3 baths · 2,510 sqft
Welcome to this beautiful 4-bedroom, 2.5-bathroom home, complete with high ceilings, a 2-car garage, and 2,510 square feet of living space. Nestled in the highly desirable South Bay Lakes community, this residence offers a harmonious blend of tranquility and convenience. This move-in ready home boasts a host of modern upgrades, including GRANITE countertops in kitchen and all bathrooms, scratch free & waterproof laminate flooring in kitchen and bathrooms, newer stainless steel appliances, an AC unit installed in 2020, and a roof that is only 5 years old. Energy-efficient double pane windows ensure comfort and savings year-round. The light-filled, open floor plan enhances the sense of space and sophistication. The expansive living and family room provide the perfect setting for entertaining, hosting social events, and enjoying quality time with loved ones. The gourmet kitchen is a culinary delight, featuring newer stainless steel appliances, an oversized island, GRANITE countertops, ample dining space, and beautiful 42 inch espresso cabinets for all your storage needs. It seamlessly overlooks the inviting family room, making it ideal for both everyday living and special occasions. Upstairs, a spacious loft offers versatile options for a playroom or office area. The master retreat is a sanctuary of comfort, boasting a generous walk-in closet and an elegant en-suite bathroom with dual sinks and GRANITE countertops, a separate shower, and a soothing garden tub. The secondary bedrooms are also generously sized and share a well-appointed bathroom. For added convenience, the laundry room is located on the upper level. Outside, the backyard is perfect for enjoying endless summer days, whether you're cooking out or simply relaxing. This home is ideally situated near shopping, restaurants, and entertainment, with easy access to Riverview, Apollo Beach, Brandon, and Tampa. The community features a swimming pool and basketball court, providing fun for the entire family. 3D Virtual tour available.
Source: STELLAR #tb8301714
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8301714
Source: Public records
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: #tb8301714
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.