20 Pelican Pl, Palm Harbor, FL 34683
3 beds · 3 baths · 1,990 sqft sqft
Welcome to Pelican Place, an exquisite 3-bedroom, 2.5-bath townhome nestled within a serene, private community along the lush greens of the prestigious Pelican Golf Course. Enter through a spacious foyer, where a GRAND SPIRAL STAIRCASE immediately captures attention, adding a touch of sophistication to this luxury residence. The main level’s open layout includes a bright, airy living room featuring a WOOD-BURNING FIREPLACE framed by two sets of French doors that lead to a private patio—a perfect spot to start your day with a cup of coffee or unwind and relax after work with a glass of wine. The patio backs up to the Pinellas Trail for easy access to biking, jogging, or leisurely strolls. Upstairs, the EXPANSIVE PRIMARY SUITE serves as a tranquil retreat, complete with its own cozy wood-burning fireplace, a large WALK-IN CLOSET and a luxurious ensuite bathroom, complete with soaker tub, walk-in shower and powder room. Two additional spacious bedrooms share an updated full bath, and a convenient half bath is located on the main floor for guests. The kitchen is equipped with all-wood cabinetry, granite countertops, pantry and an adjacent dining room, both overlooking the living area, making it an ideal space for entertaining or family gatherings. Practical amenities include an in-unit laundry room located just off the attached one-car garage, which also offers attic storage and an additional parking space outside. This all-ages, pet-friendly, and maintenance-free community features a large swimming pool, a clubhouse, and charming brick-paved roads throughout. Just minutes from award-winning beaches, renowned golf courses, fine dining, and Belleair’s lively community events, this move-in-ready home combines elegance with convenience for the perfect Florida lifestyle.
Source: STELLAR #tb8314091
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8314091
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: #tb8314091
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.