12282 Creek Preserve Dr, Riverview, FL 33579
4 beds · 4 baths · 2,973 sqft
****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 INTERNET AND CABLE! Close to shopping, schools, and easy commute to Tampa and MacDill AFB. Community across from Bell Creek Nature Preserve and bordering on the town of Lithia. . Seller concessions offered.
Source: STELLAR #a4618135
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4618135
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: #a4618135
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.