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15622 Starling Water Dr

Lithia, FL 33547

4 beds · 2 baths · 2,408 sqft

$515,000

$2,176/mo with 2.375% Express Financing

$3,014/mo with 7% bank financing

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About this home

ASSUMABLE VA LOAN! Discover your dream home in this highly sought-after FishHawk Ranch community, renowned for its top-rated schools and welcoming, family-friendly environment. The lush, meticulously maintained landscaping adds exceptional curb appeal, creating a peaceful, inviting entrance. Step into the modern kitchen, fully equipped with stainless steel appliances, granite countertops, a spacious pantry, and ample cabinet space—perfect for cooking and entertaining. A cozy breakfast nook is bathed in natural light, making it an ideal spot to start the day. Stylish tile and luxury vinyl plank flooring flow throughout the home, combining elegance with durability. You'll also enjoy the efficiency of natural gas for both the stove and water heater, and the home is plumbed for gas or electric to the dryer as well. The spacious master bedroom features an expansive walk-in closet and a private en-suite bathroom with a relaxing soaking tub and separate walk-in shower. The second bath features a Homeworks system where you can bluetooth your phone to a speaker/light on the ceiling and play music while you bathe! Step outside to the back porch, where you can unwind while enjoying the privacy and serenity provided by the lush landscaping. This home is located in an area known for its excellent schools, making it an ideal choice for families. FishHawk Ranch is also popular with military families due to its proximity to MacDill Air Force Base and its strong sense of community. Don’t miss this opportunity to own a stunning home in one of Tampa's most family-friendly neighborhoods. Schedule your tour today!

Source: STELLAR #tb8302145

2,408 sqft
0.18 acres
Single Family
Built in 2012

Neighborhood
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FAQs

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Apr 14, 2025 07:59 pm
Listing provided courtesy of: COLDWELL BANKER REALTY (813) 685-7755
Details provided by STELLAR and may not match the public record.
MLS ID: #tb8302145
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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