13043 Sunshine Cir, Clermont, FL 34711
3 beds · 2 baths · 2,544 sqft
**BACK ON THE MARKET** Previous buyer financing fell thought ** Experience Lakeside Living with Modern Comfort!**. Step into serenity as you enter this exceptional 3-bedroom, 2-bath home with office, where estate-like elegance meets the tranquil beauty of Lake Minnehaha. Tucked away on a private large lot with a long driveway, this retreat offers a perfect blend of seclusion and sophistication with parking space for up to 19 cars. Upon arrival, you'll be captivated by the warm and inviting atmosphere, with lots of natural light pouring into the living space. Enjoy cozy evenings by the wood-burning fireplace, framed by a modern built-in shelving and an eye-catching modern plank accent wall. Newly upgraded front-facing windows (2023) by Renewal by Andersen ensure energy efficiency, cutting up to 25% off your energy bill—making comfort not only stylish but sustainable. For those who love indoor-outdoor living, the expansive double doors open to a large lanai featuring Florida impermeable screens, extending your living area into a brand-new, screened saltwater pool (2024), with LED ambiance lighting, a water heater, and poolside views of the stunning Lake Minnehaha sunsets, this is the ultimate space for relaxing or entertaining year-round. The heart of this home, the kitchen, showcases concrete countertops and a charming breakfast nook with bay windows, perfect for sipping your morning coffee while soaking in the lake views. Downstairs, two well-appointed bedrooms, a full bath, and a versatile flex room offer ample space for guests, an office, or a playroom. Going upstairs, the elegantly renovated staircase bring you to a spacious loft that can easily serve as an additional entertainment hub, study, or family lounge. Retreat to your master suite, complete with vaulted ceilings, a private balcony, and breathtaking sunset views over the lake. The en-suite master bath boasts a double vanity with concrete countertops, a luxurious soaking tub, and a glass-enclosed dual-head shower for a spa-like experience. Other notable upgrades include leaf-lifter gutters (2022), complete plumbing replacement (2019), two new HVAC units (2020, 2022), and a water heater (2020). Plus, the home is pre-plumbed for an additional bathroom in the laundry room, offering future flexibility. Situated in a highly desirable community with no HOA, this dream home provides on-site boat or RV parking and is perfectly located just 35 minutes from downtown Orlando and Disney, 20 minutes to Winter Garden, and 10 minutes to downtown Clermont. Don’t let this opportunity slip away—schedule your private tour today and start living the lakeside lifestyle you’ve always dreamed of!
Source: STELLAR #s5112820
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5112820
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: #s5112820
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.