1805 Sea Oats St, Tarpon Springs, FL 34689
3 beds · 2 baths · 1,397 sqft
Welcome home to this lovely move-in ready 3 Bedroom, 2 Bath Home in a great Tarpon Springs location! Built in 2003, the split bedroom floor plan is light and bright with an efficient use of space. As you step inside the front door you are welcomed by the expansive open floor plan of the living room and dining room with sliders leading to the backyard. Built-in shelving in the living/dining room provides decorating spaces and additional storage. Off the Living room is the Primary Suite with an Ensuite Bathroom, Walk-in Closet, a Dual Vanity and a Step-in Shower. Kitchen has a Breakfast Bar with ample countertop space overlooking the living room/dining room with Newer (2021) Fridge, Stove and Dishwasher. Head across the living room to the other side of the house for the two additional bedrooms that share a bathroom that has a tub/shower combo with New Porcelain Stone Tile flooring. Spacious two car garage with a Tesla Charger and a New Garage Door Opener. HVAC (2018). This home is ready for you to make your own. Come and see it today! Excellent opportunity to live in the desirable Cypress Park of Tarpon Springs community w/low HOA’s & No CDD’s. Close to US Highway 19, Pinellas Beaches & Downtown Tarpon Springs w/all its Charm & Restaurants & Shops. You are not going to want to miss out on the opportunity to make this property yours.
Source: STELLAR #tb8323952
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8323952
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: #tb8323952
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.