1807 SPLIT FORK DR, Oldsmar, FL 34677
Welcome to your own private paradise in Oldsmar! Seller offering $15,000 in concessions. 40 SOLAR Panels, completely paid off at closing! 3-bd, 2.5-ba POOL HOME (PLUS OFFICE or Bonus Room), is nestled alongside a picturesque pond, offering a blend of elegance, comfort, and outdoor serenity. PERFECT for ENTERTAINING! UPDATED ROOF 2017 and HVAC, REFRIGERATOR, DISHWASHER, MICROWAVE (new 2024), DISHWASHER, HOT WATER HEATER AND POOL PUMP updated in the last 7 years!! Upon arrival, you'll be greeted by a charming paver stone walkway leading to the entrance, framed by lush landscaping. The foyer opens into an inviting living space featuring soaring ceilings and large sliding doors that seamlessly merge indoor and outdoor living. Natural light floods the home, highlighting the stylish architectural details like beautiful archways and recessed lighting and bamboo wood flooring throughout. The heart of the home is the gourmet kitchen, complete with granite countertops, stainless steel appliances, a rolling island with butcher block counter, built-in wine rack, and a convenient walk-in pantry. The adjacent dining area boasts a bay window with a built-in windowsill bench offering hidden storage—a perfect spot to enjoy morning coffee or casual meals with a view of the backyard oasis. Entertaining is effortless with your private backyard retreat. Imagine hosting gatherings around the large inground pool, illuminated with lights for evening ambiance, and relaxing under the shade of the pergola on the spacious deck. Tropical landscaping surrounds the fenced yard, providing privacy and a serene backdrop of the tranquil pond. Upstairs, the generously sized master bedroom awaits, featuring pocket doors that lead to an ensuite bathroom complete with granite counters, double sinks, a luxurious garden tub, and a separate shower adorned with beautiful stone tile. A large walk-in closet with organizers ensures ample storage. Two additional bedrooms share a well-appointed guest bathroom with a shower and tub combo, complemented by a linen closet for added convenience. A versatile room adjacent to the guest quarters serves as a study, gym, or hobby room, offering built-in cabinetry and a large window framing views of the pool and pond. This beautiful home also includes a 2-car garage with an oversized driveway, fresh interior paint, wainscoting in the half bath, with staircase leading to the second floor. Located in a desirable Oldsmar neighborhood, close to Tampa Bay's attractions and amenities, this property presents a rare opportunity to live in luxury while enjoying the tranquility of a waterfront setting. Don't miss your chance to make this exceptional residence yours—schedule a showing today and envision your new lifestyle in this Oldsmar oasis! Dimensions are approximate.
You may be able to put down less than the total down payment amount of $314,176 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #u8248947
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.