1932 Brainerd Ct, Lutz, FL 33549
3 beds · 2 baths · 1,522 sqft
Welcome to this beautifully updated 3-bedroom, 2-bath pool home. From the moment you arrive, you will be captivated by the meticulously landscaped lawn, freshly painted exterior, and charming new front door. Step inside and be greeted by an abundance of natural light, soaring ceilings, and a thoughtfully designed open, split floor plan. Every detail has been carefully considered—from the rounded bullnose trim and custom blinds on the front window to French doors with integral blinds leading to the lanai. The kitchen is the heart of the home, perfectly positioned to overlook the family room. It boasts a new tile backsplash, newer appliances, and a dual water filtration system for the refrigerator. The split layout offers a private retreat for the primary suite, featuring its own French doors to the pool and lanai. Upgrades in the suite include a custom makeup vanity with a folding mirror and drawers, a modern ceiling fan with a light, and new 6-panel and closet doors. The ensuite bathroom is completely remodeled with a luxurious custom marble shower with mosaic detailing, marble flooring, and a stylish new vanity and mirror. The second and third bedrooms, conveniently located off the family room, also feature upgraded 6-panel and closet doors. The second bathroom has been tastefully updated with a reglazed shower-tub combo, new vanity, fixtures, and doors. Even the hallway closet has been transformed with a new door and custom shelving. The laundry room adds even more functionality with raised corner storage units, a new vanity, and newer washer and dryer, which convey with the home. The garage is a hobbyist's dream with custom shelving and ample workspace. Step outside to your fully fenced backyard oasis—perfect for entertaining, family time, or relaxation. Enjoy new landscaping with custom walkways, a raised vegetable garden, and a cozy area for fire pit gatherings or games. The outdoor upgrades continue with a recently installed irrigation system, an additional water line for spigot, and French drains and sump pump to ensure optimal water flow. Cool off in the sparkling pool with a screened enclosure, regrouted pool tiles, two new ceiling fans, and a freshly painted lanai floor. Every detail of this home has been thoughtfully updated—please see the complete upgrade list attached. NO HOA or CDD! Conveniently located near SR-54, expressways, shopping, and restaurants. This home truly has it all—don’t miss your chance to make it yours!
Source: STELLAR #tb8328670
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8328670
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: #tb8328670
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.