13085 Utopia Loop, Bradenton, FL 34211
5 beds · 4 baths · 3,765 sqft
Enjoy a family-friendly lifestyle in Lakewood Ranch without the CDD fees! This spacious residence boasts a prime location across the street from a park, perfect for afternoons spent outdoors. Step inside to discover a host of modern conveniences, including a Ring doorbell for remote video and intercom access. French doors usher you into a spacious office, while the exquisite living and dining areas are bathed in natural light from expansive windows. The home features 9-foot ceilings on the first floor, complemented by 5” baseboards and 8’ high doors and closets, lending an air of grandeur to the space. A culinary haven awaits in the adjacent great room, boasting a gourmet kitchen equipped with a state-of-the-art double oven controllable via smartphone. Revel in the granite countertops, solid wood shaker cabinets, and stainless steel appliances, including a 36" glass top stove and soft-close drawers. A butler’s pantry and walk-in food pantry offer ample storage, while the kitchen seamlessly flows into a large eat-in area with 12' sliding doors opening to a spectacular pool and meticulously landscaped surroundings. Entertain effortlessly in the custom outdoor kitchen, complete with a concrete countertop, built-in grill and griddle, and ample storage space. Savor the ambiance with ceiling speakers and a wired lanai for outdoor entertainment. Retreat to the master suite featuring his-and-her vanities, a spacious walk-in shower, and a custom walk-in closet with rotating shoe racks and a sizable safe. The home also features three additional bedrooms on the first floor, with an expansive living room and extra bedroom upstairs. Practical amenities include a laundry room with matching cabinetry, a three-car garage with epoxy-coated flooring, hurricane shutters, and plumbing for a water softener. Designed with energy efficiency in mind, this Energy Star Certified home boasts an HVAC system, spray foam insulation, Low E-3 windows, and a programmable thermostat. Enjoy the ease of Weather-sensing Wi-Fi Irrigation, in-wall pest control, exterior sound system speakers, and Sherwin Williams paint throughout. Serenity Creek offers gated security, a playground, and a dog park, all with low HOA fees and no CDD fee. Conveniently located near I-75, this home provides easy access to schools, shopping, and all the amenities Lakewood Ranch has to offer. Room Feature: Linen Closet In Bath (Primary Bedroom). Home has been vacated and is move in ready.
Source: STELLAR #u8232024
Source: STELLAR #u8232024
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: #u8232024