12633 Belcroft Dr, Riverview, FL 33579
4 beds · 2 baths · 1,588 sqft
Situated in the established, master-planned community of PANTHER TRACE, live a life of comfort in Florida paradise. NO FLOOD ZONE and LOW HOA at LESS THAN $6 a MONTH! Offering 4 bedrooms and 2 baths, this OPEN CONCEPT home offers a thoughtfully designed split-floor plan with a GORGEOUS KITCHEN as the central focus of the home. It is well-appointed with plenty of cabinets / storage, newer STAINLESS-STEEL APPLIANCES PACKAGE (2022) and a breakfast bar. The kitchen flows perfectly to the dining room and a great room, making this area excellent for hosting and gathering. The primary bedroom is a place of comfort and relaxation with a WALK-IN CLOSET and primary en-suite bath while the SPACIOUS secondary bedrooms and bath are situated opposite the home for a true SPLIT FLOOR PLAN giving ample opportunity for privacy. Located on a lot with mature landscaping and PROPERTY FENCING, this home checks all the boxes! ENJOY OUTDOOR LIVING AT IT BEST year-round with the COVERED, ENCLOSED LANAI! Sliding doors open from the great room to the covered, exterior living space offering a seamless flow for entertainment. UPGRADES AND UPDATING include newer kitchen appliances (2022), new washer and dryer (2023), new garage door opener (2024), routine HVAC servicing, and solar panels system which may be transferrable to new owners resulting in energy bills at ONLY $180 each month. Panther Trace is one of Tampa Bay's most desirable neighborhoods. Meet neighbors easily at one of the many community events or at the beautiful community pool & shaded playgrounds just around the corner. SPORTS COURTS are among the many amenities including basketball, volleyball, tennis and an open field to practice and play! You can even reserve the clubhouse for a private party! Enjoy strolls through the gorgeous neighborhood offering a quieter way of life or venture out to the walking / bike paths leading to grocery stores and restaurants in either direction. Near EXCELLENT SCHOOLS including THE NEW A-Rated Collins PreK-8 School allowing for minimal transitions between grade levels for elementary / middle schoolers as well as one-of-a-kind sports / recreation fields and facilities and academic programs or take advantage of one of the many charter, school choice or private education options. A new VA hospital, St. Joseph's hospital, esteemed medical clinics colleges, and universities, as well as dining and shopping are only minutes away. Commutes are reasonable with easy access to major highways and expressways. Live a true Florida lifestyle close to world-renowned GULF BEACHES, parks, nature preserves and springs, world champion sports leagues and magical theme parks! Appropriately priced, this home is ready now!
Source: STELLAR #tb8316431
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8316431
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: #tb8316431
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.