14146 Eastern Phoebe Rd, Brooksville, FL 34614
4 beds · 3 baths · 2,431 sqft sqft
This beautifully designed home offers an exceptional blend of comfort and practicality, perfect for modern living. With 4 spacious bedrooms and 3 bathrooms, this residence ensures ample space for family and guests alike. The primary bedroom stands out with its en-suite bath, featuring dual sinks, a separate bath and shower, a private toilet room, walk-in closets, and a linen closet, all under an elegant 8" stepped ceiling that adds a touch of grandeur. An additional bedroom also boasts an en-suite bathroom, ideal for guests or in-laws. The home includes a flexible room tailored to your needs, whether as a home office or an in-house gym. The living spaces are designed with elegance, featuring an open-concept layout where the formal dining room is gracefully separated from the living room by elegant columns, all enhanced with crown molding. The kitchen is a chef's delight, equipped with newer stainless steel appliances, granite countertops, a breakfast bar, and pristine newer cabinets. It also features a convenient closet pantry. A cozy dinette area with a serene view of nature through the sliding glass door adds to the charm of this inviting space. Outdoors, the property spans over half an acre of tranquil land, with a welcoming front porch, mature trees, and two large storage sheds. The outdoor space is perfect for entertaining, with an oversized paver porch, a fire pit, and a screened-in, covered lanai. Thoughtful additions like Plastpro fiberglass insulated exterior door(s), gutters with leaf filter screens, and a lawn sprinkler system enhance the home's functionality. The home's durability and energy efficiency are further assured by its 30-year architectural roof shingles, Wayne Dalton insulated steel raised panel garage door, and engineered roof trusses with hurricane strap connectors. Additional features such as a spacious laundry room, a mudroom leading to a three-car garage, a whole house water softener system, and a new AC unit with UV light installation (4/2023) add to the home's appeal. This residence is the epitome of modern living, offering both comfort and luxury in a serene and welcoming environment. No HOA or CDD.
Source: STELLAR #t3549743
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3549743
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: #t3549743