2026 Prestancia Ln, Sun City Center, FL 33573
3 beds · 3 baths · 2,358 sqft
Discover your dream home with a NEW PRICE REDUCTION on this stunning St. Croix model! This well-maintained 3-bedroom, 3-bath home offers 2,358 sq. ft. of spacious living in the desirable Caloosa Palm I community of Sun City Center. From the moment you arrive, the new paver driveway (2022) and recently painted exterior will catch your eye with impeccable curb appeal. Ascend to the second-floor suite, featuring a full bathroom, walk-in closet, and a generous 13' x 16' room with glass sliders that lead to a private screened deck. Here, you can soak in breathtaking views of the Caloosa Golf Course and the lush Florida landscape—an ideal retreat for guests! This home is filled with valuable updates for your peace of mind, including a new shingle roof (2018), retractable hurricane shutters on all back windows, and impact-resistant windows (2020). The custom front door and sidelight (2020) enhance the inviting entrance. You’ll also appreciate the new HVAC system and updated electric panel (both 2020) and a new water heater (2019). The bright and inviting kitchen features stunning granite countertops with a breakfast bar and elegant ceramic tile flooring, perfect for culinary enthusiasts. Step outside to the spacious screened lanai, equipped with sliding windows for year-round enjoyment. Sun City Center is a unique, vibrant community with over 150 clubs and organizations, offering endless opportunities for active living. Conveniently located near the Gulf Beaches, top medical facilities, shopping, and major airports, it’s one of Florida’s most affordable and sought-after active senior communities. Make this beautiful home your own and enjoy all that Sun City Center has to offer!
Source: STELLAR #tb8303327
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8303327
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: #tb8303327
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.