208 N Lake Hartridge Dr, Winter Haven, FL 33881
4 beds · 3 baths · 3,388 sqft sqft
Stunning Chef-Inspired Home with Lake Views in Hartridge Hills Welcome to your dream oasis in the gated community of Hartridge Hills, Winter Haven, FL! This unique 2-story residence offers 4 bedrooms, 2.5 bathrooms, and picturesque lake views, perfect for both relaxation and entertaining. Culinary Haven This chef-inspired home features high-end appliances, including a Miele steamer, proofing and warming oven, and a wine cooler. The gourmet kitchen with granite countertops seamlessly flows into an open-concept living area, highlighted by 30 ft cathedral ceilings and abundant natural light. Luxurious Living Spaces Retreat to the primary suite, boasting a spacious walk-through closet, garden tub, bidet, and walk-in shower. Upstairs, you'll find a cozy loft area, two additional bedrooms, and a full bathroom, offering ample space for family and guests. Outdoor Paradise Step outside to your private saltwater pool oasis, complete with a newly updated pool pump (2024) and a Polaris pool robot for effortless maintenance. Enjoy evenings on the patio under new ceiling fans while watching the 65-inch TV, which is included with the home. Smart & Sustainable Features This smart home is equipped with a solar system and a dedicated irrigation system for easy upkeep. Recent upgrades include a new air handler (2023) and a brand-new roof with a 30-year transferable warranty. The exterior was freshly painted in 2023 with Sherwin Williams paint, also with a transferable warranty. Community Amenities Enjoy access to a community boat ramp and the Chain of Lakes, ideal for water enthusiasts. Conveniently located near Winter Haven Airport and major highways, this home is also close to local shopping and dining options. Additional Highlights • 3,388 square feet of living space • Attached 2-car garage • Built-in ironing board in the laundry room with LG washer & dryer This quiet and friendly neighborhood is perfect for families or anyone seeking a peaceful retreat. Don’t miss your chance to own this remarkable home—schedule your private showing today, as the sellers are relocating out of state!
Source: STELLAR #p4931871
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #p4931871
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: #p4931871
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.