12282 CREEK PRESERVE DR, Riverview, FL 33579
WELCOME HOME to this exquisite, modern home in the boutique style gated community of Bell Creek Preserve. When you arrive you are greeted by an elegantly designed two story home with a covered porch and sitting area with upgraded entryway. Upon entering you will notice the wood look tiles that continue through the main living space and a grand staircase with wrought iron balusters and dark wood handrails and stairs.10 FOOT CEILINGS throughout the main living area give you a large open floor plan. To your left is a formal dining room with a large window letting in tons of natural light. A large 1/2 bath and linen closet along with storage under the stairs leads you to the expansive living room with electric LED fireplace, built in entertainment center and decorative tray ceiling. The kitchen features dark wood cabinets with a nicely appointed white tile backsplash and granite countertops. There is a spacious eat in area with a picture window to take in the view with your morning coffee and a very large breakfast bar, great for entertaining. The kitchen is equipped with high end stainless steel appliances great for the chef of the home! Off the kitchen you will find a spacious laundry room and broom closet. To complete the first floor, you will find the master suite and en-suite bath with large walk in, tiled shower and dual vanity. Extra Large WIC with cherry wood built ins for all your belongings. All of the first floor features lovely crown moulding to give it a polished look. Through the large screened patio doors you will find that paradise awaits with a LUXURIOUS IN GROUND HEATED SALTWATER POOL AND SPA with infinity waterfall, fountains, color changing lights and sun shelf. (New salt cell just replaced) It is surrounded by beautiful pavers and is screened and partially covered for shade. Relax and unwind while taking in the spectacular surroundings in your fenced in yard complete with a WATER VIEW of a pond with a dock so you can fish in your very own backyard. Upstairs you will find an open loft space, additional family room and built in office space. Three additional large bedrooms, one of them with its own en suite great for teens or MIL suite. An additional bathroom completes the second floor with large vanity and private commode. This home is a SMART home with security system. Equipped with in wall pest system and front and rear yard sprinkler systems. No CDD and low dues! Dues include cable and internet. Close to shopping, and easy commute to Tampa and MacDill AFB. Community across from Bell Creek Nature Preserve. No developments to be built.
You may be able to put down less than the total down payment amount of $122,373 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #a4618135
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.