206 Cabernet Way, Oldsmar, FL 34677
3 beds · 3 baths · 1,525 sqft sqft
Discover the ease and sophistication of maintenance-free living in this spacious three bedroom, two and a half bath townhome, complete with a one-car garage. Step through the foyer and experience an open-concept floor plan with expansive, neutral ceramic tile throughout the main areas, leading seamlessly into the great room. Natural light flows in through sliding glass doors, opening to a private, covered patio—perfect for relaxing or entertaining guests. The gourmet kitchen is designed for the home chef, featuring custom 42-inch staggered wood cabinetry, gleaming granite countertops, a convenient breakfast bar, and a pantry for added storage. Outfitted with stainless steel appliances, including a sleek glass-top range, the kitchen connects smoothly to the dining area, complete with a cozy nook ideal for a buffet bar or additional storage. Upstairs, retreat to the luxurious master suite with its expansive walk-in closet and a master bath that boasts granite countertops, dual sinks, a step-in shower, and a private water closet. Two additional well-appointed bedrooms share an adjoining bathroom, also enhanced with granite finishes, providing both style and convenience. Thoughtful storage options include a space-saving closet under the stairs and the added security of hurricane shutters. Built by the renowned Taylor Morrison, this townhome reflects quality craftsmanship and thoughtful design. The low monthly HOA assessment covers essential services such as building exterior maintenance, escrow reserves, grounds upkeep, building insurance, roof maintenance, trash, and water/sewer, ensuring a truly hassle-free lifestyle. Tuscany Woods is a gated, pet-friendly community centrally located near top-rated schools, shopping centers, movie theaters, restaurants, community parks, pristine beaches, and Tampa International Airport. Embrace the opportunity to live in a vibrant community that combines convenience with refined living—this townhome is ready to welcome you home!
Source: STELLAR #tb8316001
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8316001
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: #tb8316001
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.