13201 San Blas Loop, Largo, FL 33774
3 beds · 3 baths · 2,250 sqft
Welcome to 13201 San Blas Loop located in Highly Desirable Beacon Trace. Built in 2007 by Rutland Homes and designed to perfection. Situated in a NON FLOOD ZONE and built to hurricane code with hurricane shutters, block construction, and tile roof! This meticulously maintained 3-bedroom, 2.5-bathroom, 2100SF+ town-home with soaring 20ft+ ceilings offers both comfort and style with its impressive amenities and prime location. Upon entry, you'll be greeted by the open luxurious living/dining area and elegant 5.25-inch baseboards that enhance the open, airy feel throughout. The custom-built wine closet features a wine fridge and extra storage cabinets, ideal for the discerning connoisseur. Relax and entertain in style with the electric fireplace in the dining room, offering both ambiance and warmth. The chef’s kitchen is a culinary delight with ample counter space, 42-inch maple cabinets, and a cozy breakfast area. Adjacent to the kitchen, the separate laundry room boasts stackable washer/dryer and additional cabinetry for optimal organization. The primary bedroom, conveniently located on the first floor, provides a serene retreat with its spacious layout, walk-in closet, and luxurious en-suite bathroom. The two additional bedrooms upstairs are generously sized, accommodating even king-size beds, and share a beautifully appointed bathroom. The upgraded wrought iron and laminate flooring staircase adds a touch of sophistication while enhancing the open feel of the home. The second floor seamlessly flows into a large, versatile loft space—perfect for an additional family room, home office, or home gym. Step outside to your peaceful, enclosed patio featuring brick pavers and lush greenery for ultimate privacy. The oversized 2-car garage comes with additional storage and shelving space to meet all your needs. Recent updates include a new A/C unit (installed May 2023) and a new water heater (installed January 2023). Located less than 3 miles from the stunning Indian Rocks Beach, next to the Largo Golf Course, and just down the street from the Largo Recreation Center, this home combines convenience with leisure.
Source: STELLAR #tb8302766
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8302766
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: #tb8302766
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.