16145 Amethyst Key Dr, Wimauma, FL 33598
3 beds · 2 baths · 1,709 sqft
This one-of-a-kind 3 bedroom, 2 bath and oversized 2 car garage Victoria model with a stunning pond view is loaded with upgrades and custom features! It was designed by GL Homes Builder as part of the very popular Regal Villa Collection Series at Valencia Lakes, one of the most desirable 55+ gated communities in the greater Tampa area. Your journey begins in front before you even walk in the door! Inviting manicured landscaping around the walkway adds to the great curb appeal of this property. A generous size screened front patio creates an additional private outdoor space to relax/entertain on lovely Florida days. Upon entering you will notice an open split bedroom floor plan with 9 ft. tall ceilings. Engineered hardwood floors are installed in all main areas and ceramic tiles in both bathrooms. There is no carpet in this home! Crown molding complements the design of this home adding to its value. Please notice very impressive window treatments throughout the house; Hunter Douglas automated blinds for the sliding door and Levolor blinds in other windows. Large gourmet kitchen has quartz countertops and backsplash. The raised countertop is extended to a serving bar and additional seating. Kitchen also features upgraded GE appliances with a new refrigerator. 42" top quality wood cabinets have over/under cabinet lighting and custom-built cabinet pantry with pull-out drawers. There is a breakfast area in the kitchen for casual dining. The spacious living room has a triple 8 ft. triple sliding door leading to the private screened lanai overlooking a serene water view. The pavers are extended outside the lanai. Here you can enjoy magnificent Gulf sunsets. With a split floor plan, the primary bedroom is located on the back of the house and also has a view of the pond. It features 2 walk-in closets, ensuite bath with an oversized walk-in shower, a double vanity with drawers and quartz countertops. Both bath showers have upgraded wall tiles with horizontal decorative listello. The large laundry room features a newer washer and dryer and additional shelving for storage. Light fixtures and fans are upgraded throughout the home. Additional upgrades include new Culligan water softener system, new water heater and 2-year-old HVAC. 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, 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 #TB8359669
Financials
Source: STELLAR #TB8359669
Source: Public records
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%. 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.
Other resourcesWhat 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.
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