12926 Payton St, Odessa, FL 33556
3 beds · 2 baths · 1,993 sqft
Welcome to 12926 Payton St, a beautifully designed 3-bedroom, 2-bathroom home built in 2017, located in the sought-after Starkey Ranch community in Odessa. This home features an open great-room concept that seamlessly connects the kitchen, dining, and living areas, making it perfect for everyday living and entertaining. The gourmet kitchen boasts a central island, stainless steel appliances, a reverse osmosis filtration system, abundant cabinet space, and a spacious walk-in pantry. Adjacent to the kitchen is a dedicated workspace with built-in cabinets and a desk, ideal for a home office or study area. The primary suite features two walk-in closets and an en-suite bathroom with a massive walk-in shower and a double vanity with ample counter space. Bedroom two also offers a large walk-in closet, and with additional storage spaces throughout the home—including garage shelving—you’ll never run out of room. The outdoor space is equally impressive, with a screened lanai featuring roller shades, a fully fenced backyard, and beautifully paved walkways, driveway, and lanai. The irrigation system uses reclaimed water, ensuring efficient and eco-friendly landscaping. Additional highlights include a 2024 water softener, luxury vinyl plank flooring, and a new AC motor. The in-wall pest control system adds convenience and peace of mind. The laundry room is a standout with shelving, cabinetry, and a utility sink. This home is located in flood zone X, so no flood insurance is required, and the seller reports no damage from recent storms. Beyond the home itself, Starkey Ranch offers an exceptional lifestyle. Residents enjoy access to the expansive Starkey Ranch District Park with lighted fields, playgrounds, and picnic pavilions, as well as over 20 miles of scenic trails for walking, biking, or jogging. The community also features multiple pools, clubhouses, and proximity to the Jay B. Starkey Wilderness Preserve for additional outdoor adventures. Conveniently located just north of Tampa, with top-rated schools nearby, this home offers the perfect blend of comfort, community, and accessibility. Come see why Starkey Ranch is one of the most desirable communities in the area!
Source: STELLAR #tb8323494
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8323494
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: #tb8323494
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.