1405 21st St SE, Ruskin, FL 33570
4 beds · 2 baths · 1,618 sqft
Welcome to this charming single-family home located at 1405 21st Street SE in Ruskin, FL. Built in 2008, this well-maintained property offers a comfortable and inviting living space for you and your family to enjoy. Currently owner occupied and will be available for move as Early as September 28th. Enjoy little too no electricity bills. The house was outfitted with solar panels in early 2024. You can see a recent utility bill and the energy output for the month of July. The floors were also redone to be luxury vinyl planks throughout the house. A zoomed in picture of the flooring is included This lovely home features 2 bathrooms and a total finished area of 1,618 square feet, providing plenty of space for relaxation and entertainment. The lot size is approximately 5,000 square feet, offering ample outdoor space for outdoor activities and gardening. As you step inside, you will be greeted by a bright and airy living room that is perfect for hosting gatherings or simply relaxing after a long day. The open floor plan seamlessly connects the living room to the dining area and kitchen, creating a welcoming atmosphere for everyday living. The kitchen is a chef's dream, featuring modern appliances, ample cabinet space, and a breakfast bar for casual dining. Whether you are whipping up a quick meal or preparing a feast for guests, this kitchen has everything you need to make cooking a breeze. The primary bedroom is spacious and comfortable, offering a private retreat at the end of the day. The ensuite bathroom has a full size shower and tub. A walk-in closet provides plenty of storage space for your wardrobe and personal belongings. The secondary bedroom is perfect for children, guests, or a home office, providing flexibility to suit your lifestyle needs. The second bathroom is conveniently located near the secondary bedroom and features a tub/shower combination. Outside, the large backyard offers endless possibilities for outdoor living. Whether you want to relax on the patio, host a barbecue, or play with your pets, this backyard is the perfect place to enjoy the Florida sunshine. Located in a desirable neighborhood in Ruskin, this home offers easy access to shopping, dining, schools, and major highways. With its convenient location and comfortable living space, this property is the perfect place to call home. Don't miss the opportunity to make this charming single-family home yours. Schedule a showing today and envision yourself living in this wonderful property at 1405 21st Street SE in Ruskin, FL.
Source: STELLAR #o6234163
Source: STELLAR #o6234163
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: #o6234163