13201 SAN BLAS LOOP, Largo, FL 33774
Welcome to 13201 San Blas Loop located in Highly Desirable Beacon Trace. Built in 2007 by Ruttland Homes and designed to perfection. 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.
You may be able to put down less than the total down payment amount of $279,417 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #tb8302766