1457 Pheasant Creek Dr, Palm Harbor, FL 34684
2 beds · 2 baths · 1,230 sqft sqft
Tell your honey to stop the car now and Welcome Home!!! Located in the highly sought after Active 55+ golf community, Highland Lakes - Sutton Court, you will feel right at home. Featuring 2 bedrooms, 2 full baths, eat-in kitchen, spacious living room/dining room combo, attached one car garage, newer roof (2022), this villa has everything you are looking for. In addition, the large front porch and rear patio are both screened so enjoying the outdoors will be more enjoyable without those pesky mosquitoes and no-see-ums. The kitchen has been updated with custom cabinets, granite countertops, and newer stainless-steel appliances to include microwave, range, refrigerator, washer and dryer (laundry in garage). With two skylights and bay windows, the natural light just pours into the kitchen. The primary bedroom has a large window that allows sunlight and views of the golf course across the street and a walk-in closet. The second bedroom also has a large walk-in closet and shares access to the secondary full bath from the hallway. This villa has been edited with updated ceiling fans, light fixtures, and landscaping. Now, let’s talk about the back patio again. Serene views of the nearby golf course remind you of why you would choose this community in the first place. There’s enough space for a grill and table for two. The self-managed HOA includes exterior maintenance, irrigation, lawn maintenance, exterior painting, and waste management. Basic cable and internet are also included. Community amenities include recreational and social gatherings, tennis and pickle ball courts, two sparkling pools, a space for yoga, and a clubhouse with an auditorium for shows. The lodge by the lake has a boat dock for pontoon rides and a there’s a place to store your RV and boat. Do you like wood work, painting, or ceramics? The woodshop and craft clubs cater to all of your hobbies. Located near the best beaches, hospitals, airports, shopping, eateries, and nature parks. Schedule your showing today so you can see what’s with all the buzz about Highland Lakes!!
Source: STELLAR #tb8320458
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8320458
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: #tb8320458
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.