15204 Westminister Ave, Clearwater, FL 33760
5 beds · 2 baths · 1,688 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Discover a unique opportunity to own a spacious home in Clearwater that blends versatility and comfort. Once a duplex, this property has been thoughtfully converted into a five bedroom, two bathroom residence offering 2,200 square feet of living space. With ample room to grow, it features an expansive layout that includes a generously sized laundry room and additional storage areas, making organization effortless. Step inside to find an inviting floor plan that offers flexibility for any lifestyle. The main living space is bright and open, with large windows that let in plenty of natural light. The kitchen provides abundant cabinet storage, ample counter space, and a layout that allows for easy meal prep and entertaining. Adjacent to the kitchen, the dining area is perfectly positioned for gatherings, while the spacious living room is ideal for relaxing or hosting guests. Each of the five bedrooms is well proportioned, offering plenty of space for family members or home office setups. The two bathrooms are conveniently located to serve both the primary and secondary living spaces. The home’s bonus storage areas and oversized laundry room add extra convenience, making day-to-day living more functional. Outside, the backyard provides a private retreat with ample space for outdoor activities. Whether you dream of adding a playset, garden, or shaded patio area, there is plenty of room to make it your own. Beyond the home, you'll find a variety of attractions just a short drive away. Enjoy the beauty of Cliff Stephens Park, a 44 acre outdoor retreat perfect for hiking, biking, disc golf, and picnicking. For those who love marine life, the Clearwater Marine Aquarium provides an educational and interactive experience dedicated to the rescue and rehabilitation of sea creatures. Families will also love exploring Moccasin Lake Nature Park, a hidden gem offering boardwalk trails, wildlife encounters, and educational programs. The nearby Long Center provides a state of the art recreation complex with swimming pools, sports fields, and community events. If you’re looking for a fun filled day on the water, Clearwater Beach and its iconic Pier 60 offer sugar white sands, a vibrant sunset festival, playgrounds, and live entertainment. With convenient access to shopping, dining, and some of Florida’s best outdoor recreation, this home is in a prime location to experience everything Clearwater has to offer. Whether you're looking for extra space or a property with potential for customization, this residence is ready for you to make it your own. Schedule a tour today and see the possibilities for yourself.
Source: STELLAR #TB8365598
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 #TB8365598
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.