2066 S Druid Cir, Clearwater, FL 33764
4 beds · 2 baths · 1,828 sqft sqft
Welcome to this charming 4-bedroom, 2-bathroom home nestled in the heart of Clearwater, Florida, where convenience meets comfort. This home is in a NO FLOOD ZONE AND EVACUATION CODE E! This single-family gem boasts 1,828 square feet of meticulously designed living space and rests peacefully in a non-HOA community, offering you the freedom to live as you please. The main roof is only 5 years old and was installed in 2019. The flat roof was just replaced in 9/2024. This home has NO GARAGE. As you step onto the property, you'll notice the recently resealed and painted driveway. Inside, you will notice the home has been freshly painted , brand-new carpeting adorning each of the four spacious bedrooms and new closet doors. The split floor plan ensures privacy and functionality, with the primary bedroom featuring an en-suite bathroom. Meanwhile, the second bedroom, complete with a large walk-in closet, offers versatile space ideal for an additional living area or home office. The kitchen is a culinary haven, boasting stainless steel appliances, a new backsplash, and an oversized pantry, perfect for storing all your gourmet essentials. Double-pane windows throughout the home enhance energy efficiency while filling the rooms with natural light. Step outside to your spacious backyard oasis, complete with two storage sheds and a flourishing herb garden, offering endless opportunities for outdoor enjoyment and relaxation. Conveniently located, this home is a stone's throw away from a plethora of dining and shopping options, ensuring you're never far from the action. Plus, with Clearwater Beach just under 20 minutes away, and St. Petersburg and Tampa within a 30-minute drive, you'll have easy access to some of Florida's most coveted destinations. Don't miss out on the opportunity to make this Clearwater haven your own! Financing can be obtained with South State Bank.
Source: STELLAR #u8232659
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8232659
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.
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: #u8232659
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.