12639 Lemon Pepper Dr, Riverview, FL 33578
3 beds · 2 baths · 1,561 sqft sqft
NO Flooding or Damage from hurricane! Welcome to this stunning single-family, one-story home featuring 3 spacious bedrooms and 2 modern bathrooms. The property includes a 2-car garage and a fenced yard that overlooks a serene preserve, providing a private oasis with beautiful sunsets. You’ll immediately notice the curb appeal of the well-maintained and established landscaping, along with the charm of the welcoming covered front porch—perfect for greeting guests or enjoying your morning coffee. Inside, a bright tiled entry hallway leads to an open-concept kitchen featuring an island with a stainless steel sink, staggered wood cabinets, and a walk-in pantry. This open floor plan seamlessly overlooks the family room and café area, making it ideal for entertaining and family gatherings. The primary ensuite is a true retreat, offering a double vanity with comfort-height sinks, a tiled shower, and a generous walk-in closet. The guest bedrooms are equally spacious and share a well-appointed bathroom. Additional features include tile flooring throughout the living areas, luxury vinyl plank flooring in the bedrooms, newly painted walls, and an indoor laundry room. Situated on a private, fenced conservation lot, this home provides a serene and secluded environment with no rear neighbors, offering unparalleled privacy and tranquility. The two-car garage adds convenience and ample storage space. Don’t miss the opportunity to make this beautiful property your own! Low HOA fee - community pool! Conveniently located near 301, I75, Selmon Expressway, VA Annex facility, St Joseph's hospital, medical facilities, shopping, restaurants and Florida's beautiful Gulf beaches.
Source: STELLAR #tb8300836
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8300836
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: #tb8300836
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.