12314 Bay Estuary Bnd, Riverview, FL 33579
4 beds · 4 baths · 3,522 sqft
HUGE $10K PRICE REDUCTION!!! Sellers are motivated and will consider all offers! Seller to pay $10k in buyer closing costs with acceptable offer! Welcome to this stunning 4-bedroom, 4-bathroom, 3 car garage home, featuring a private, spacious in-law suite! The home has numerous luxurious upgrades and ample space for family living and entertaining. Situated in the highly sought-after Triple Creek community, which is rich with amenities, this home boasts a formal dining room, a dedicated office, and an oversized loft equipped with a built in premium movie theater-quality surround sound system – perfect for movie or game night. Convenience is key with all four bedrooms located downstairs, including a generously sized primary suite. The primary ensuite features an oversized soaking tub and a large walk in shower, separate vanities and plenty of storage. Need a space for an in-law or older child? The in-law suite has space and privacy, with it's own oversized walk in shower in the private bathroom. The home features hardwood flooring in the downstairs living areas that gives it a touch of elegance, and is easy to maintain and clean. The kitchen features 42" maple cabinetry with crown molding, quartz countertops with tons of counter and storage space, upgraded stainless steel appliances and a breakfast nook. It opens up to the living room which features soaring 16' ceilings and plenty of space for the whole family to relax. Head upstairs to a 500 sq ft loft where the whole family can relax, watch the game or a movie, play games, etc. There is even enough room to add a pool table! It'll be where memories are made! You'll enjoy the expanded lanai, ideal for outdoor dining and relaxation, while the beautifully landscaped and fenced in backyard offers a brick fireplace and a charming walkway, surrounded by mature trees and greenery. Plus, with no neighbor to the east, you'll enjoy a peaceful green space that’s perfect for pets or little ones to play and be close to home. The front porch and driveway feature durable, beautiful pavers and with a 3 car garage, space won't be an issue. The attic features plenty of storage and pull-down stairs for easy, safe access. An in wall pest management system provides peace of mind and an easy treatment option for the owners without spraying toxic chemicals inside the home. Triple Creek offers resort-style amenities including three pools, 2 fitness centers, tennis, pickleball, and basketball courts, playgrounds, a dog park, and over 17 miles of walking, running, and biking trails. Recent upgrades include fresh paint inside and out (2025) a new water heater (2024) complete re-screen of the lanai (2024) and new quartz countertops (2023). The home is conveniently located just 25 minutes from downtown Tampa, with easy access to I-75, shopping, dining, and top medical facilities within a short drive. Dawson Elementary School and the Goddard Day Care School are conveniently located within the community! This home offers the perfect combination of modern living, community amenities, and a prime location. Don't miss the opportunity to make it yours! Bring your offers!!!!
Source: STELLAR #TB8337213
Financials
Source: Public records
Source: STELLAR #TB8337213
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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