13150 Thoroughbred Loop, Largo, FL 33773
2 beds · 2 baths · 1,271 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 13150 Thoroughbred Loop in the highly desirable community of Cumberland Trace! This is a lovely END UNIT townhome with 2 bedrooms/1.5 bathroom/1 car garage plus a loft. End units have extra windows making them very BRIGHT & INVITING and they have a larger side yard for added privacy. The floorplan is OPEN and efficient with no wasted space which is great for entertaining. As you enter the front door, you will know immediately that this is the “one”. The first floor is accented with neutral tones, wood laminate flooring, CROWN MOLDING, and a stunning wood plank ACCENT WALL. The spacious kitchen has a BREAKFAST BAR, lots of countertops, and a PANTRY. The entire upstairs has VAULTED CEILINGS and plenty of built-in plant shelves. There is a half bathroom off the kitchen for convenience. The primary bedroom is SPACIOUS with a gorgeous custom ACCENT WALL. The large WALK-IN-CLOSET is also a pass thru that leads to the spacious bathroom. The bathroom is graced with a relaxing GARDEN TUB, double vanities, a walk-in shower, and new custom plank flooring. This bathroom has an entrance from the primary bedroom and an entrance from the hallway. The bedroom layout is the desirable SPLIT PLAN that offers maximum privacy. Next to the second bedroom is a LOFT that makes a great office, craft room, play room, or work out room. In 2022, the seller added a beautiful covered & screened back porch that is great for your morning coffee or evening glass of wine. This is a feature that is specific to this unit as most of them only have a patio slab. There is also an uncovered patio area for your grill and sunbathing. The HOA maintains the roof, which was replaced in 2019. The LOW HOA of $180 a month covers the roof, pool, grounds maintenance, and building exterior. The community pool and covered pavilion area is absolutely amazing and are just steps away from this unit! Some of the recent updates include a new hot water heater in 2024, new dishwasher in 2024, new screened porch in 2022, and new roof in 2019. This community is high & dry and did not have any flooding or damage in the recent hurricanes. It is in a NON-FLOOD zone. It is conveniently located and provides easy access to numerous dining options, shopping, banking, Largo Mall, Clearwater, St Petersburg, the Gulf beaches, I-275, and the Airport. This is also a PET FRIENDLY COMMUNITY so bring your four-legged friends. Schedule your showing today. You will not be disappointed. Hurry! This one will not last.
Source: STELLAR #TB8366673
Source: STELLAR #TB8366673
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.