16675 Carlton Pond St, Wimauma, FL 33598
4 beds · 2 baths · 2,278 sqft
Under contract-accepting backup offers. Find the epitome of functional living space in this newer built, spacious 4-bedroom, 2-bathroom home, featuring a versatile flex room and 3-car garage. As you enter from the charming covered front porch, an inviting foyer unfolds, revealing the flex space, ideal for a secondary living room or generous office. The wide-open floor plan seamlessly ties together the beautiful kitchen to a vast great room enhanced by a vaulted ceiling, leaving ample space for a formal dining setting. A glass slider beckons you to the backyard, which is perfectly situated for some privacy, as well as a serene view of the pond. The kitchen boasts abundant cabinetry and granite counters, a large dining island, and is complete with a must-have walk-in pantry. The split bedroom plan offers an expansive primary bedroom filled with natural light, accompanied by a spacious en-suite bath with a dual sink vanity, water closet, and a large walk-in closet. On the opposite side of the home, all guest bedrooms are generously sized and conveniently access a full bathroom. The 3-car garage showcases a beautiful epoxy-coated floor, while the broad driveway adds convenience for a large household and its guests. Additional features include a spacious laundry room, recessed lighting, hurricane shutters, and a complete exterior video surveillance system, included for your peace of mind. Creek Preserve provides its residents with ample amenities, including a stunning, resort-style community pool and clubhouse, park, playground, and basketball court. Beyond the community, you’re just minutes away from the breathtaking Southshore Bay Lagoon -- a favorite destination for the entire family. Nearby conveniences include fast food restaurants, Walmart Supercenter, Publix, Aldi, Walgreens, Ace Hardware, TGH Urgent Care, and much more. Located off US-301, it’s an easy commute to downtown Tampa, St. Pete, Sarasota, and surrounding areas. Don’t miss your opportunity to own this beautiful home, which is available for purchase with an ASSUMABLE LOAN at only 2.875% interest rate!
Source: STELLAR #TB8326014
Source: STELLAR #TB8326014
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: #TB8326014