14315 Rolling Dune Rd, Lithia, FL 33547
4 beds · 3 baths · 2,461 sqft
Price reduction!! Ask about the assumable VA Loan!! This incredibly elegant home will blow you away! This is where elegance meets beauty all under one roof! This show stopper is nestled on a corner lot in the coveted community of Fishhawk Ranch West and centrally located near everything in the community! The Endeavor III floorplan by Cardel Homes boasts meticulous attention to detail at every turn. Upon arrival, the home's curb appeal, featuring a tile roof, expansive paver driveway, and inviting front porch, sets the stage for what lies inside. Upon entering the home you will fall in love with large foyer, 12 ft ceilings in main living areas, crown molding and tray ceilings with custom wood accents. Just off the foyer you will find two of the large secondary bedrooms and a lovely full bathroom. The bathroom has upgraded quartz and the tile in the shower extends all the way up to the ceiling. Moving through the foyer you will be greeted by the huge family room, kitchen and dining area. The kitchen dazzles with above-cabinet lighting, a custom tile backsplash, a large chef's island, and state-of-the-art appliances. A pantry with custom wood shelving complements this culinary haven. The family room is designed for entertainment, featuring a custom stone wall with a large flat-screen TV (included), upgraded speakers throughout, and pre-wiring for extended sound systems. The home is also set up with upgraded speakers throughout the family room for those music or movie lovers. The sound system continues through several areas of the home including the garage and master bedroom. Other rooms have prewire for extending the sound system. The dinette area is large and perfectly located or the family! The master bedroom is WOW! The master bedroom is a sanctuary of luxury, boasting sizeable proportions and design elements. The master bathroom is equally impressive with dual sinks, a garden tub, a spacious super shower, and quartz countertops, all complemented by an enormous walk-in closet. The 4th bedroom is currently being used as an office but it is the biggest of all the secondary rooms. It also has it's own full bathroom right next to it, so it could be used as an in-law suite or guest suite. Off the family room, step outside to your private oasis - a generous lanai with extended roofing perfect for hosting gatherings, alongside a stunning saltwater pool with a sun shelf, surrounded by beautiful landscaping for added privacy and relaxation. The pool includes a gas heater for year-round comfort. Additional features include a well-appointed laundry room with custom cabinets and utility sink, a three-car garage with above storage racks, security cameras, crown molding throughout, wood-like tile flooring (no carpet!), Spanish roof tile with radiant barrier, whole home Aquios water filter system, upgraded landscaping, security system with 4 exterior cameras, water connection in laundry room for ice maker, double oven, custom shelving in pantry, extra large undermount kitchen sink, stone wall in living room, every room has connectivity to CAT6, 16 speakers throughout home for music or surround sound, frosted shower door in master, ceiling fans in each room/lanai, saltwater pool with spa, sun shelf, led lighting and remote to control pool features! Don’t miss out on the opportunity to own this meticulously maintained home that surpasses new construction. Schedule your private showing today!
Source: STELLAR #t3541045
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3541045
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: #t3541045
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.