2079 Kingfisher Dr, Palm Harbor, FL 34683
4 beds · 2 baths · 2,253 sqft sqft
Elevated at 70'+ above sea level, this Palm Harbor home had no flooding and suffered no water intrusion or damage from Helene & Milton!! Looking for a Palm Harbor pool home with boat/small RV storage? Situated on almost ¼ acre corner lot in the golf cart community of Patty Ann Acres, this beautiful 4-bedroom, 2-bath 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. Move further inside to the heart of the home where you will find the kitchen and custom dining area. Cooking is a breeze with the black stainless-steel appliances, large farmhouse sink, beautiful granite countertops, and well positioned cabinets and pantry design which provide ample 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. On the other side of the kitchen through privacy pocket doors is the spacious primary bedroom, with its two large walk-in closets and custom built-in cabinets in the primary bath. Adjacent to the primary bedroom is the 4th bedroom with a 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 with a view to the pool, and another BONUS room, perfect for an office, craft/storage room, or a 5th bedroom! Now step outside to your expansive oasis, fully enclosed with luxury vinyl fencing and low-maintenance landscaping. Spend your weekends relaxing or entertaining on your large patio by your beautiful pool. Don’t worry, no yard space is sacrificed here! This home has TWO large lawn areas. One side of the property is set up for gardening and/or pets. The other side has room for outdoor play, TWO sheds for all your lawn equipment, and double gates to allow for easy storage of your recreational vehicles! Now let’s talk LOCATION! Jump on your golf cart or bike and downtown Palm Harbor and The Pinellas Trail, and Honeymoon Island are just minutes away. 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. This home has it all!
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.
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: #tb8300078
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.