14649 Seminole Trl # 5, Seminole, FL 33776
4 beds · 4 baths · 2,228 sqft
Get a free consultation call with an expert in the mortgage assumption process.
SELLER GIVING BUYER $5,000 CREDIT AT CLOSING FOR CLOSING COSTS, RATE BUY DOWN, ETC!!! Welcome to this stunning home in the highly desirable, WATERFRONT community of Tara Cay in Seminole! NO Flood insurance required, located in X zone. This spacious 4-BEDROOM, 4-BATHROOM (with Garage) townhouse offers the perfect blend of coastal charm & modern convenience, all just minutes from the pristine beaches of Indian Shores. Once inside, you'll notice gorgeous Wood-look laminate flooring and discover an inviting OPEN-CONCEPT layout where the kitchen, dining, & living areas seamlessly flow together. The kitchen boasts Stylish Wood Cabinetry, Granite Countertops, a glass-top Samsung stove, built-in microwave, a NEWER REFRIGERATOR, & a BRAND-NEW DISHWASHER. Additional Cabinet STORAGE space facing the dining area, ensuring functionality meets elegance. The textured ceilings & walls, along with Ceiling Fans throughout, add a touch of sophistication & comfort. Enjoy Florida’s sunshine from 1 of 2 PRIVATE OUTDOOR SPACES – a screened-in balcony off the second-floor living area, and a spacious Screened Lanai on the lower level. The first-floor bedroom features its own ensuite bath & private lanai access, making it IDEAL FOR guests or MULTI-GENERATIONAL LIVING, IN-LAW Suite, Private Office or Game room area etc. The Primary Suite boasts CATHEDRAL CEILINGS, a luxurious UPDATED ensuite with DOUBLE VANITIES, a Walk-In closet, plus additional closet, & a private screened balcony. ALL Bedrooms are generously sized with Ceiling Fans & tons of storage space. This home is move-in ready, with Major Updates ALREADY taken care of: AC REPLACED IN 2022 (includes a 10-year transferable warranty), ROOF REPLACED IN 2017 & WATER HEATER UPDATED IN 2020. Tara Cay is known for its peaceful, community-oriented atmosphere, featuring a HEATED POOL, COMMUNITY DOCKS (allowing 24-hour docking), & plenty of social events—including LEGENDARY Halloween celebrations & community BBQ's! High & dry, the sellers said this home had NO FLOODING during last year’s hurricanes, and it sits at the highest elevation in the community. This home is just 10 mins from grocery & retail stores, 30 mins from Clearwater/St. Pete Airport, 40 mins to Tampa International Airport, and less than 30 minutes to Downtown St. Petersburg! If you're looking for a welcoming neighborhood with unbeatable access to the water & beaches, this is it! Schedule your private tour today!
Source: STELLAR #TB8368766
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8368766
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.