13716 18th Pl E, Bradenton, FL 34212
4 beds · 2 baths · 2,112 sqft sqft
This beautifully remodeled 4-bedroom, 2-bath home is nestled in a peaceful, deed-restricted community and offers a perfect blend of style and comfort. With minimal HOA fees and no CDD fees, the property sits on an oversized lot with lush views of a wooded greenbelt. The expansive backyard, enclosed by a new 4.5-foot aluminum fence with two wide gates and a pedestrian gate, is ideal for pets. A rare side yard provides convenient, discreet parking for a boat or camper. One of the highlights of this home is the massive outdoor living space. The screened-in, heated saltwater pool and spa are complemented by a 44-foot rear patio featuring a huge outdoor kitchen, perfect for entertaining or relaxing in the privacy of your own backyard oasis. The lanai's extended roof provides ample shaded space for year-round enjoyment. Inside, the open-concept kitchen is a chef’s dream, featuring granite countertops, newer appliances, sleek cabinetry, ceramic tile flooring, counter seating, and a large island. The spacious living areas flow seamlessly into the pool area, creating an ideal indoor-outdoor lifestyle. The master suite offers a luxurious retreat with a large walk-in closet, dual sinks, a soaking tub, and a separate walk-in shower. The remaining bedrooms are equally spacious and filled with natural light. Located in the desirable Mill Creek community, known for its large lots, mature oaks, and tranquil lakes, this home is close to top-rated schools, restaurants, health care, and the many amenities of Lakewood Ranch, Sarasota, and Bradenton. Enjoy easy access to I-75, world-class beaches, theme parks, and professional sports venues. Nearby, you'll find new dining options, Costco, and Ft. Hammer State Park with its boat ramp, ensuring you’re just minutes away from everything!
Source: STELLAR #tb8305374
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8305374
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.
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: #tb8305374