19492 FORT KING RUN, Brooksville, FL 34601
MOTIVATED SELLERS. Why wait to build? Welcome to this 2021, move-in ready home located in the desirable 55+ community of The Cascades at Southern Hills community in Brooksville! This 2021 Kingsley model home was completed at the end of 2021 and occupied in 2022. There have been tons of upgrades already done for you. When you arrive, you will be greeted with a stylish and classy front entrance with a paver driveway, storm door, stone accent walls, upgraded garage door and a beautifully landscaped yard. As you step inside you will immediately fall in love with the warm and inviting open floor plan. The kitchen features a large island breakfast bar, gorgeous granite counters, beautiful 48’ cabinets with crown molding, a coffee bar station, stainless-steel refrigerator, gas range, stainless-steel range hood, microwave, designer pendant lighting, tile backsplash and a closet pantry. The kitchen is open to the large living room/dining room combo with sliders leading to the 12x25 screen enclosed lanai with epoxy floors and sunshades. The roomy master bedroom with ensuite bathroom offers double walk-in closets, dual sinks with quartz counters, and a huge walk-in tile shower with added grab bars for convenience. The 2nd bedroom and flex room (easy 3rd bedroom) share the 2nd bathroom that also features quartz counters. The dedicated laundry room includes the new LG washer & dryer, cabinets and a utility sink. Step out back to your screen enclosed lanai to enjoy your morning coffee or to relax and unwind. Additional paver extends outside the screen lanai and additional pavers for planters for flower garden and around the newly planted trees. The garage features Wi-Fi garage door opener and keypad entry. Unlike new construction homes, enjoy the many upgrades that have already been done such as gutters/downspouts, interior paint throughout, screen lanai with epoxy, storm door on the front door, keyless entry, all lighting and fans, all appliances included, epoxy garage floors, additional landscaping, water softener, driveway pavers sealed, ring doorbell, and new back sod recently installed. You do not want to miss out on this beautiful home. HOA includes all exterior lawn maintenance, mowing, fertilizing, sprinklers and bushes trimmed. Community amenities include a sparkling pool, fitness center, pickleball courts, bocce ball courts, horseshoe pits, small walking path and meeting area with kitchen. The clubhouse and community are surrounded by nature with the opportunity to see a variety of wildlife. Lots of shopping and local favorite dining options nearby. Minutes to the famous Weeki Wachee live mermaids, Pine Island Park and Roger’s Park for fun on the water. Just minutes to the Suncoast parkway for quick access to the airport, Tampa, Clearwater and St. Pete Beaches (Ranked in the top 5 Beaches in the US), also close to the famous Tarpon Springs Sponge Docks. Enjoy everything Tampa Bay has to offer from the new Downtown Riverwalk, TOP US BEACHES, boating, fishing, golfing, cultural entertainment, and museums...and of course year-round beautiful weather! 1 or more photos are virtually staged.
You may be able to put down less than the total down payment amount of $182,559 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: #w7868024
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.