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12154 92nd Way, Largo, FL 33773

3 beds · 2 baths · 1,718 sqft

Under contract-accepting backup offers. Largo – This 3 bedroom, 2 bath, 2 car garage pool home sits on an oversized fenced lot and is waiting for its new family. Enter to the open floor plan with the family room adjacent to the kitchen and flowing into the living and dining rooms. Perfect for entertaining. The Living/Dining room overlooks the outdoor living space and pool area. The kitchen has wood cabinets, granite countertops, stainless appliances and a spacious breakfast bar that opens to the family room. The family room has beam ceiling accents and a cozy wood-burning fireplace. The primary suite is complete with a walk-in closet and en suite bath. The Primary bedroom is light and bright with windows overlooking the rear yard and allowing the natural light to flow through the space. The oversized primary en suite has been customized and is a serene sanctuary complete with solid wood dual sink vanity with granite counters, additional storage, and a custom tiled walk-in shower with dual showerheads and glass surround. Bedroom 2 is spacious with a large closet with organizer and neutral paint. Bedroom 3 has French doors, a large closet and could be used as an office. The secondary bedrooms share the Hall Bath with a tub/shower combination with neutral colors. The sliding doors from the living room to the outdoor living space, pool area and fenced yard beyond allow you to expand the living space for fun times with family and friends. The outdoor living space and screened pool area allow for soaking up nature while enjoying the Florida lifestyle. NEW LVP LUXURY VINYL PLANK FLOORING throughout the living spaces, HVAC SYSTEM REPLACED IN 2022, and UPDATED WINDOWS. *** Flood zone X***. Centrally located in Unincorporated Pinellas County near Lake Seminole, Bardmoor, the Gulf Beaches while still convenient to Tampa and St Petersburg. Close to shopping, restaurants, and entertainment. Come take a look…You’ll like what you see!

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
1,718 sqft
Lot size
0.21 acres
Year built
1978
Type
Single Family Residence

Source: STELLAR #u8253850

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?

expand content

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: Oct 08, 2024 08:23 am
Listing agent: Michael Lauer (727) 744-0144
Listing provided courtesy of: FUTURE HOME REALTY INC (813) 855-4982
Details provided by STELLAR and may not match the public record.
MLS ID: #u8253850
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.