19223 Wind Dancer St, Lutz, FL 33558
5 beds · 3 baths · 2,640 sqft
Welcome home to this spacious, charismatic family-style residence, showcasing an inviting BRICK elevation complemented by a stunning paver entry and elegant 8' beveled glass front doors! Spanning an impressive 2,640 square feet, this 5-bedroom, 3-bath pool home boasts a thoughtfully designed floor plan that caters perfectly to modern family living. The home is replete with upgrades that ensure comfort and style, including a newer roof (2022) and AC system (2022) for peace of mind, as well as tile floors installed in 2024. Throughout the main living areas and master bedroom, you'll find tasteful shutters and crown molding that are sure to impress guests. Soaring ceilings, art niches, and elegant columns enhance the open concept layout, creating a bright and airy atmosphere. Unleash your culinary creativity in the kitchen, featuring 42" custom wood cabinets adorned with crown molding, a natural gas cooktop, and a convection wall oven. The stylish tile backsplash and under-cabinet task lighting add both functionality and flair, while the wood-trimmed exhaust fan and newer granite countertops elevate the space further. The spacious island and cozy breakfast nook—complete with shutters—is the perfect spot for casual dining, and a walk-in pantry provides ample storage. The family room blends seamlessly with the kitchen, making it an ideal space for entertaining, whether indoors or outside by the pool. The expansive master bedroom is a true retreat, boasting a coved ceiling, hardwood floors, shutters, and a generous walk-in closet. A raised seating area offers versatility as a cozy office or a charming nursery, with convenient access to the pool area. Indulge in the spa-like ambiance of the master bath, featuring tile finishes, oil-rubbed bronze fixtures, dual sinks, and rich wood cabinets. Relax in the garden tub or enjoy the convenience of the walk-in shower. Bedrooms 2 and 3 share a sparkling full bath, while Bedroom 4, located at the rear of the home, includes its own full bath with a walk-in shower that also serves as the pool bath, making it perfect for guests and family alike. Bedroom 5 is versatile and can easily function as an office, nursery, or additional guest room, catering to your family's unique needs. Step outside to discover a spacious outdoor screened-in patio adorned with pavers, creating an ideal setting for lounging or entertaining. The inviting pool area is perfect for enjoying sunny days, and with no rear neighbors, you can relish in the privacy and tranquility of your own oasis. Located just 5 minutes from Steinbrenner High School and within close proximity to three beautiful golf courses, this home offers the perfect blend of convenience and leisure. With its extensive upgrades, thoughtful design, and charming features, this property is not just a house; it's a place where cherished memories will be made. Come experience the lifestyle this exceptional home has!
Source: STELLAR #TB8360583
Financials
Source: STELLAR #TB8360583
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.