14302 Colonial Affair St, Sun City Center, FL 33573
4 beds · 3 baths · 1,914 sqft
Under contract-accepting backup offers. MOTIVATED SELLER, MAKE AN OFFER! Built in 2021 within the coveted quiet community of Belmont West nestled in-between the communities of Waterset and Belmont. This beautiful home showcases a large corner lot with 4 bedrooms, 2.5 baths and 1,914 sq ft of open concept living with an oversized two car garage. Downstairs you will find a half bath and a spacious living area that overlooks the backyard and allows in plenty of natural sunlight. The kitchen features all stainless steel appliances, granite countertops, a large island perfect for entertaining. Upstairs, you will find the four aforementioned spacious bedrooms and a loft area at the landing of the staircase, there is also a laundry room upstairs with a full size washer and dryer and storage space. The primary bedroom offers a large bathroom with dual vanities with a walk in closet and a storage closet. Highlighted features of this home: immaculately maintained and move in ready, freshly epoxied garage floors, large fenced in yard with 10 foot wide gate with side access for storing large items, gas appliances, tankless water heater, digital irrigation, granite countertops, stainless steel appliances, WIFI optioned garage door, Taexx pest control system, full size washer/dryer, and bolt on hurricane shutters. Highlights of community: Resort style living with clubhouse access featuring tennis courts, basketball courts, two pools, dog park, open fields, oversized sidewalks that wind through the community around the community lakes. South Shore Sports complex. Quick access to the on ramps of I75 for your short commute to Downtown Tampa and surrounding areas. Within a mile are two “A” rated K-8 magnet schools Dorthy C. York and Creekside Charter. In addition are multiple high schools to chose from which includes newly built Sumner as well as many daycare centers. Shopping within the immediate neighborhood you have three Publix’s, two Starbucks, CVS, UPS, Crunch Fitness, Pet Paradise (vet, boarding, camp, grooming), Chic Fil a , Wawa, 7-11, Andys Custard, Rita’s Italian ice, Dominoes, Hungry Howies, Tropical Smoothie, Fords Garage, with many more options already in the works for this quickly growing area.
Source: STELLAR #t3540225
Source: STELLAR #t3540225
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: #t3540225