2079 Kingfisher Dr, Palm Harbor, FL 34683
4 beds · 2 baths · 2,253 sqft sqft
If your Palm Harbor dream home sits high and dry with peace of mind from hurricanes, has 4 bedrooms, a backyard oasis with a large pool, and storage for your boat/small RV and toys, then schedule your appointment today! Situated on almost ¼ acre corner lot in the golf cart community of Patty Ann Acres, this beautiful, remodeled home has everything you need inside and out for the ultimate Florida lifestyle! Upon entry into the foyer is a large formal living room and hallway to the large 2nd and 3rd bedrooms and hall bath; all with large closets. Inside the heart of the home, you will find the kitchen and custom dining area. Cooking is a breeze with the black stainless-steel appliances and large farmhouse sink. The beautiful granite countertops and well positioned cabinets and pantry design provide ample space and storage for all your kitchen items. The dining/gathering room, with its custom-built banquette storage bench, farm table that seats 8-10, and 65” TV and TV stand, is the perfect gathering area for holiday dinners and parties with family and friends, or a game/movie night. Through the kitchen privacy pocket doors is the spacious primary bedroom, with two large walk-in closets, and the primary bath with large built-in storage cabinets. Adjacent to the primary bedroom is the 4th bedroom with its large walk-in closet, the indoor laundry room, and access to the oversized two-car garage. The backside of the home boasts a spacious and bright family room overlooking the pool, and a BONUS room which is perfect for an office, craft/storage room, or a 5th bedroom! Now step outside to your expansive, fully enclosed paradise with luxury vinyl fencing and low-maintenance landscaping. Spend your weekends relaxing or entertaining on your large patio by the pool. Don’t worry, no yard space is sacrificed here! This home has TWO large lawn areas. The west side of the property is set up for gardening and/or pets. The east side has room for outdoor play, TWO sheds for all your lawn equipment, and your recreational vehicles! Now let’s talk LOCATION! Hop in your golf cart and enjoy all that Downtown Palm Harbor has to offer or take a bike ride over to The Pinellas Trail or Honeymoon Island. A quick car ride will get you to one of our world-famous beaches: Clearwater Beach, St. Pete Beach, and more! Travel is easy with Tampa Int’l and PIE airports nearby. Zoned for top-rated Palm Harbor schools, PHMS is around the corner and PHUHS is close by. Owning this home truly is “Livin’ the Florida dream!”
Source: STELLAR #tb8300078
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8300078
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: #tb8300078
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.