13751 13th St, Dade City, FL 33525
3 beds · 2 baths · 1,506 sqft sqft
One or more photo(s) has been virtually staged. Charming Dade City Home with Original Hardwood Floors and Spacious Backyard Nestled in the heart of Dade City, this inviting home at 13751 13th St. offers a touch of local charm with its whitewashed brick exterior and thoughtfully remodeled interior, completed within the last 4 years including all new energy efficient windows . Spanning a comfortable 1,508 square feet, this house features three cozy bedrooms and exemplifies warmth through its well-maintained original hardwood floors found in the living room and secondary bedrooms. The kitchen stands out with its unique original red brick backsplash, complemented by granite countertops and classic white shaker cabinets. The kitchen, updated approximately four years ago, also includes a convenient island, making it a bright and open space that's perfect for everyday meals. The living room shares this openness and brightness, enhanced by the beautiful hardwood floors that echo the home's heritage. The master bedroom, comfortably carpeted, exudes a country charm, providing a peaceful atmosphere to unwind. The bathroom, was recently refreshed and, features decorative ceramic tile flooring and a roomy shower, combining functionality with a thoughtful aesthetic. Outside, the property boasts a spacious backyard, perfect for outdoor activities or simply relaxing under the Florida sun. Its prime location in Dade City ensures easy access to nearby schools and hospitals, adding to the convenience of this charming community. With nearby transportation options, residents will find it easy to explore the vibrant town, known for its friendly vibe and small-town appeal. This house is an ideal choice for those looking for a comfortable living space that marries the character of original features with the practicality of modern updates, set amidst the inviting essence of Dade City.
Source: STELLAR #tb8310561
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8310561
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: #tb8310561
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.