12297 Croft Dr, Largo, FL 33774
3 beds · 2 baths · 1,708 sqft
Welcome to your dream home! This beautifully updated 3 bedroom, 2 bath, 2 car garage home on a quarter acre lot overlooks the Largo Golf Course. This high and dry home provides gorgeous water views and is only 5 minutes from Indian Rocks Beach. You will love the open floor plan that leads from the living room to the dining room and family room, with an abundance of natural light. The large kitchen features soft-close cabinets with plenty of storage space, stainless steel appliances and granite countertops. The kitchen features a cozy breakfast nook and a breakfast bar that leads into the oversized family room. The indoor laundry room off the kitchen offers additional cabinet storage. The master bedroom features an en-suite bathroom with granite countertops, double sinks and double showerheads. The other bathroom is updated with granite countertops and a bathtub. The split floor plan allows for extra privacy. The large serene backyard space provides a picturesque backdrop to your everyday life. There is a mature avocado tree and room for a pool. With no rear neighbors and bird watching opportunities, plenty of relaxation awaits. The yard is fully fenced, with a shed for extra storage. The home has been updated with hurricane impact windows. In the last 5 years the home has received the following new updates: A/C, interior and exterior paint, hot water heater, water softener, back wood fence, back patio, garage door opener, flooring, ceiling fans and lighting. The home is in close proximity to Southwest Recreation Center, the Pinellas Trail, Splash Harbor Water Park, Florida Botanical Gardens, John Bonner Nature Park, George McGough Nature Park, Walsingham Park and many restaurants, schools, hospitals, churches and stores. No HOA and no flood insurance required. Come experience Florida living at its finest! Owner is licensed real estate agent.
Source: STELLAR #u8250971
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8250971
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 30-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: #u8250971
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.