1859 Westminster Ct, Lakeland, FL 33809
4 beds · 2 baths · 2,676 sqft
*BRAND NEW LVP FLOORING (November 2024) ** ROOF (2022) ** HVAC (2023) with MicroPower Guard & UV light, ** HOT WATER HEATER (2023) ** EXTERIOR PAINT (2023) ** Welcome to this beautifully updated 4-bedroom home, complete with a bonus flex room—perfect for a 5th bedroom, home office, or creative space. Nestled on a cul-de-sac oversized 0.39-acre lot in the sought-after Sherwood Lakes neighborhood, this home is designed for comfort, style, and Florida living at its finest. Step inside to discover 2,676 sq ft of meticulously maintained space with brand new luxury vinyl plank flooring installed November of 2024 adding a modern touch to this timeless home. Each bedroom features custom built-ins for seamless organization, while the open-concept layout invites endless possibilities for entertaining and relaxation. The kitchen is a chef's dream, showcasing newer appliances, including a 2024 GE range and Frigidaire refrigerator, paired with a KitchenAid dishwasher and Whirlpool microwave from 2018. Whether you're whipping up dinner or hosting poolside, this home makes every moment special. The backyard is your private oasis! Dive into your in-ground pool with a screened enclosure, perfect for year-round enjoyment. The fully fenced yard provides ample space for outdoor activities, gardening, or simply relaxing. Plus, the oversized driveway can accommodate up to six vehicles, and overnight street parking is allowed for guests. Recent updates ensure peace of mind for years to come: Roof (2022), HVAC (2023) with MicroPower Guard & UV light, Hot Water Heater (2023) Exterior Paint (2023). And that’s not all—this home offers private lake access with a boat ramp, perfect for fishing, kayaking, or just enjoying serene views. Located on a quiet cul-de-sac, you’re moments away from Wendell Watson Elementary and Rochelle School of the Arts. With modern updates, abundant space, and incredible amenities, 1859 Westminster Ct is more than a home—it’s your next adventure. Schedule your showing today and fall in love with this Sherwood Lakes gem!
Source: STELLAR #o6262304
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6262304
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: #o6262304
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.