13316 Wildgrass Trl, Odessa, FL 33556
3 beds · 3 baths · 1,919 sqft
Under contract-accepting backup offers. THE TOWNHOME YOU’VE BEEN SEARCHING FOR! Enjoy maintenance free living surrounded by nature and an abundance of amenities nestled in the heart of Tampa Bay’s #1 Master Planned community, Starkey Ranch. Newly built in 2021, this Homes By WestBay Casa Fresca townhome spans 1919 sqft offering 3 bedrooms with Primary on the first floor, 2.5 bathrooms, plus bonus room, large fenced private courtyard and a charming detached 2 car rear alley garage. Convenient street parking is great for guests. A charming walkway leads to this end unit’s welcoming front door. The front door greets guests as you enter into the open floor plan you find a warm and welcoming ambiance including a versitile wood-look tile flooring and a fresh coat of Sherwin Williams Agreeable Grey on the main floor. Noteworthy after-market updates include Plantation shutters, Closet Built ins, and Dapple Grey Ceramic tile floors throughout main level. The spacious living area offers an inviting atmosphere for gatherings, entertaining and relaxing. The open-concept layout seamlessly connects the living, dining, and kitchen areas, creating an ideal space for easy & practical living. The upgraded modern kitchen features attractive granite countertops, shaker wood cabinets, sleek brushed nickel hardware accented by hexagon backsplash. Stainless steel GE appliances including a gas range, microwave, dishwasher, and refrigerator are included. A spacious island provides ample seating for 4 bar stools for casual dining highlighted by 3 pendent lights, while a pantry provides abundant storage with built in shelves. The adjacent dining area is complimented by a chandelier. Retreat to the spacious FIRST FLOOR primary bedroom, featuring multiple windows for ample natural light & ceiling fan. You will find a luxurious ensuite bathroom with a walk-in shower, dual vanities with granite countertops and a spacious walk-in closet with built in organizers. Conveniently located beyond the family room, the laundry room includes washer, dryer, and shelving. Ascend the stairs to the second story bonus room. This multi-functional space could be a theater, playroom office or anything you need! Two very well-sized bedrooms are located next to a full-size bath. A storage closet houses the hot water heater and can be used for seasonal décor. A door off the living room leads to the private, fenced courtyard creating an ideal outdoor retreat for enjoying morning coffee or evening cocktails. A two-car detached rear-facing garage provides ample storage with added storage racks, while a paver driveway leads to a quiet back alley. Convenient street parking is available for guests on the side of the home. All mounted TV’s stay! Townhome HOA fee covers lawn care, walkway pressure washing and exterior pest control. Located within the award-winning Starkey Ranch community, this home offers easy access to K-8 Magnet School, community amenities like walking trails, 3 pools, parks and playgrounds, shopping, Publix, dining, beaches, and a convenient commute to Tampa Airport. This home has everything! Move Right in and enjoy maintenance free living at it's finest!
Source: STELLAR #TB8335409
Source: STELLAR #TB8335409
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “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.
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 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 of Equal Opportunity Act.