19617 Sunset Bay Dr, Land O Lakes, FL 34638
4 beds · 3 baths · 2,350 sqft
PRISTINE POOL HOME with AMAZING AMENITIES in PRIME LOCATION! Situated in the idyllic Land O Lakes gated community of LAKESHORE RANCH, this well maintained 4 Bedroom 2.5 bath spacious pool home with oversized lanai sits on a cul-de-sac and overlooks a peaceful conservation area with a pond out back. Built in 2009 in an X No Flood Zone (UNSCATHED by Hurricanes!), step inside to discover a spacious, open floor plan complete with porcelain tile, hardwood floors and LOTS of extras and upgrades, including both a newer AC unit and newer hot water heater. The updated kitchen features a natural gas stove, granite counters, solid wood cabinets, a hightop breakfast bar w marble, and a breakfast nook complete with a custom Bay window overlooking the pool and Lanai. The Master Suite is conveniently located on the main floor, featuring direct lanai/pool access, a garden jetted tub, dual sinks, a walk-in closet and a split bedroom layout for added privacy. Out back, the heated pool with large screened lanai has an extended overhang, providing indoor outdoor living space. Out front, the extended overhang provides the perfect porch area from which to view the neighborhood happenings. The attached two car garage includes a privacy screen and ample storage abounds! This sought after community offers an array of amenities, recreational facilities, a 24-hour fitness center, playground, three pools (one heated), tennis courts, dog park, a community dock, 260 acres of conservation area and more! With sidewalks and paved streets, it's great for families and those who enjoy an on the go lifestyle. Located near top-rated schools, this home is in close proximity to the Veterans expressway, is just a little over 30 minutes to the airport, and is only 30 minutes to the nearest beach/ Gulf of Mexico! Conveniently located with lots of parks, shopping and first-rate hospitals nearby, this home offers the best of all worlds. Don't miss the opportunity to view this incredible home where one can experience the best in modern, Florida living!
Source: STELLAR #om688011
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #om688011
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: #om688011
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.