1816 Woodridge Dr # 7, Clearwater, FL 33756
3 beds · 3 baths · 1,684 sqft
Get a free consultation call with an expert in the mortgage assumption process.
$15,000 PRICE REDUCTION, $9,700 SELLER CONCESSIONS TO BUYER AND HOME WARRANTY! HIGH & DRY NO FLOOD ZONE! NO DAMAGE FROM HURRICANES! ZONING ALLOWS FOR SHORT TERM RENTAL (AIR BNB)!! SEE SHORT TERM RENTAL REPORT ATTACHED! ADDITIONAL UPDATES COMPLETED AFTER PHOTOS TAKEN! HOME IS IMMACULATE & MOVE IN READY! Start 2025 off right, in this move-in ready coastal ranch style 3 bedroom, 3 full bath Clearwater charmer that exudes the definition of "indoor/outdoor living"! As you pull up, curb appeal is at its finest with new exterior paint (September 2024), beautiful tile roof re-sealed in March/April of 2024 with elastameric paint, mature landscaping including freshly mulched plant beds with lighting. As you approach the front stamped concrete walkway, you encounter an almost 300 square foot screened-in covered porch that welcomes you to the front door of this well cared for home! Just built in 2021, this screened-in patio is the perfect spot to enjoy Florida life all year long with protection from the heat, rain and mosquitoes. Once inside, the amazing open floorplan will provide you the space for whatever size furniture you can imagine! The great room consists of a living room and dining room (currently used as a reading nook). From there you can enter the kitchen or the 2nd dining space where you find a beautiful sliding barn door to the 3rd bedroom. Do you work from home or are a small business owner? Maybe you need a space for your adult child or mother-in-law? The 3rd bedroom is exactly what you've been looking for! With a gorgeous stone wood burning fireplace, large closet, picturesque window and separate exterior door that leads to a private gated wing porch on the side of the home, this room can be whatever you want! The master bedroom, master bath, second bedroom and second full bath are all located on the opposite end of the home. These bedrooms are flooded with natural light through multiple large windows in both! All the closets throughout the home are not your cookie cutter size, but are extra deep and have shelving to maximize storage space! This home provides you a true master bathroom, with double sinks, vanity space, double closets and a private toilet/shower room. Don't let the cozy footprint of the backyard fool you! This low-maintenance fully fenced-in exterior area is an entertainer's dream with patio space, custom built swing, privacy and lighting galore. Let's not forget the over-sized side-facing massive 2 car garage featuring built-in storage shelves, attic access, laundry and a 3rd full bathroom. Perfectly situated in central Pinellas County just 6 miles from Clearwater & IndianRocks Beaches, 4 miles to downtown Clearwater,15 min drive to St. Pete-Clearwater Int. Airport, & an easy 30-min commute to downtown Tampa. No HOA community bordering Eagle Lake Park featuring a playground, dog park, & walking/biking trails. Just over a mile away you'll find the Highland Recreation Complex with its waterpark, indoor & outdoor sports facilities & playgrounds; Largo Community Center with a gym, events & performing arts schedule; Largo Central Park & Nature Preserve as well as the YMCA. Within a 5 mile radius, you also have several golf and country clubs, including Palm Hill and Cove Cay. With a convenient location, an excellent school district both public and private, and the Florida indoor/outdoor lifestyle, this Clearwater home is the epitome of why life is better by the beach! Schedule your showing, and come see for yourself!!
Source: STELLAR #TB8331167
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8331167
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.