15856 Cobble Mill Dr, Wimauma, FL 33598
3 beds · 2 baths · 1,897 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This spectacular 3 bedroom, 2 bath upgraded modern home comes with an additional 300 sq.ft added to the original floor plan — an air- conditioned Florida sunroom! There’s also an extra screened lanai and a private backyard with an unobstructed water view. The front covered entry is also screened. As you enter through the main door leading to a high ceiling foyer you will be captivated by open floor plan’s functionality, charm and beauty the moment you step in. Luxury vinyl flooring, tastefully matching the newly painted walls, are installed in the main areas including kitchen, bedrooms and Florida room. Crown molding and plantation shutters complement the design of this home adding to its value. The gourmet kitchen – perfect for entertaining – boasts top-of-the-line quality white cabinetry with a custom-built additional pantry with sliding shelving. Kitchen appliances include a range, French-type door refrigerator, dishwasher and microwave. A reverse osmosis filtration system provides purified water for drinking and cooking. A comfortable breakfast/dinette area is part of the kitchen. The countertop has been re-designed to a flat-laid quartz surface which is extended for additional seating and brings a modern feel to the kitchen. Stunning wainscotting panels were added under the kitchen counter and on the dining room walls. The spacious primary bedroom with coffered ceiling offers a generously sized walk-in closet with customary build-outs. Ensuite bath has two separate vanities with quartz countertops, extra built-in cabinets and a generous sized walk-in tiled shower with ceramic/stone listello. There is even a Jacuzzi walk-in bathtub for daily stress relief, solace and relaxation! Isn’t having a spa at the comfort of your home priceless? 2nd bedroom features built-in office/library furniture that stays with the house. The 8 ft. sliding door of the Great Room leads to the aforementioned state-of-the-art air-conditioned Florida/Sunroom and screened lanai designed by the current owners. Here you can enjoy the backyard’s serene water view with no neighbors in sight, with a fountain shimmering in the sun bringing tranquility and calmness with the sounds of cascading water just steps away. Additional upgrades in this lovely home include: water softener system, newer HVAC that is professionally maintained, LG front load washer/dryer, epoxy flooring in the garage and newer water heater and hurricane shutters. CURRENT VA LOAN ON THE PROPERTY IS ASSUMABLE WITH 3.25% INTEREST FOR QUALIFIED VETERANS! INQUIRE ABOUT SEVERAL WARRANTIES AND SERVICES TRANSFARABLE TO THE BUYER. Valencia Lakes is a 55 and better active adult golf cart community with 40-acre waterfront outdoor recreation area with resort-style heated pool, lap and resistance pool, 40,000 sq. ft. clubhouse, deluxe Bistro is to come soon, har-tru tennis courts, gym, half-court basketball, pickleball and bocce courts, dog park, baseball park, community garden, hundreds of clubs and activities, RV/boat storage area. Over 100 acres set aside as nature preserves; enjoy the quiet and solitude of peaceful views, birds & wildlife by the water. Great sense of community with great friendly neighbors. Please call for a private showing and experience this wonderful community for yourself. Tampa, St. Pete and Sarasota 30-45 minutes away. Close to the airport, medical facilities, shopping and golf.
Source: STELLAR #TB8345696
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 #TB8345696
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.