1377 Sail Harbor Cir, Tarpon Springs, FL 34689
4 beds · 5 baths · 3,800 sqft
**HOME DID NOT FLOOD DURING HURRICANE HELENE OR MILTON** Beautiful waterfront property situated on 1.5 acres with access to the Gulf. 4 bedrooms plus a den with 4.5 baths. As soon as you walk through the front door you experience the beautiful waterfront view that can be seen from most rooms throughout the house. Wake up to beautiful sunrises from the large master bedroom located on the first floor. The master bathroom is spacious and has a soaking tub, double sinks and a large walk in shower. The kitchen is beautifully laid out with wood cabinets and granite countertops overlooking the family room and wood burning fireplace. Upstairs is arranged with 3 bedrooms, 2 bathrooms and a good sized loft overlooking the family room. The pool and spa area are perfect for entertaining and hosting outdoor gatherings and has a pool bath for convenience. Many updates over the past few years.. Partial windows 2024, Roof 2022, Flooring 2024, Upstairs bathroom shower tile and glass doors 2019, Master bathroom tub and shower 2018, Dock/lift 2020, Upstairs A/C 2020, Partial Vinyl siding 2024. The Sail Harbor Community has a private boat ramp for residents only and just past the entrance of the neighborhood is the Pinellas Trail. It’s so much fun riding your bike into the Downtown Tarpon Springs area for shopping, great restaurants, pubs and breweries or First Friday events. Enjoy world famous Sponge docks, with multiple Greek food restaurants, distilleries, plenty of shopping, quaint boutiques, bakery, visit the aquarium, or attend festivals and events throughout the year along the Sponge docks.
Source: STELLAR #tb8300854
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8300854
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: #tb8300854
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.