1646 Center St, Deland, FL 32720
3 beds · 2 baths · 1,600 sqft sqft
Welcome to this charming 3-bedroom, 2-bathroom home located at 1646 Center St in DeLand, Florida. Just around the corner of Lake Beresford, this newly listed property offers 1,600 square feet of living space, 0.31 of Acre and has recently undergone a series of updates to enhance its appeal and functionality. Step inside to discover a fresh interior with new paint throughout, creating a clean and inviting atmosphere. The flooring has been upgraded with new luxury vinyl planks and plush carpet, providing both style and comfort. The kitchen boasts resurfaced cabinets with modern pulls, complemented by new light fixtures and a sleek stainless steel range. The primary bathroom and guest bathroom have both received thoughtful updates to extend the home's modern feel while maintaining its cozy charm. The property's exterior hasn't been forgotten, with a fresh coat of paint adding curb appeal. Recent mechanical improvements include a replaced air handler and a water heater installed in 2023. A new septic tank is also being installed, ensuring the home's systems are up-to-date and reliable. One of the standout features of this property is its large fenced-in backyard, perfect for outdoor activities, gardening, or simply enjoying the Florida sunshine. NO HOA! This means you won't have to worry about monthly HOA fees or restrictive covenants. The surrounding neighborhood offers a wealth of amenities, including the nearby DeLand SunRail Station, perfect for commuters. For those who love the outdoors, Lake Beresford Park is just a short distance away, offering recreational opportunities and beautiful scenery. The Bartram Garden & Trail is also close by, providing excellent options for hiking and exploring the local landscape. This home presents a fantastic opportunity for those seeking a move-in ready property in a desirable location. With its recent updates, comfortable living space, and proximity to local attractions, it's an ideal choice for families, professionals, or anyone looking to enjoy the DeLand lifestyle. Don't miss your chance to make this lovely house your new home!
Source: STELLAR #o6224411
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6224411
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What 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.
MLS ID: #o6224411
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.