211 W North Bay St, Tampa, FL 33603
2 beds · 2 baths · 1,184 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Price Improvement! Welcome to 211 W North Bay Street, a beautifully updated 1925 Craftsman Bungalow situated on an oversized corner lot in the heart of South Seminole Heights. Major recent updates include a NEW ROOF in 2023, new HVAC system in 2021, brand new AC ductwork in 2025, new crawl space structural beams and piers with a lifetime parts warranty in 2025, and a complete interior update in 2019 giving you peace of mind and modern comfort in a classic home. This historic gem perfectly blends timeless charm with today’s conveniences, creating a warm and welcoming atmosphere from the moment you arrive. The expansive front porch welcomes you to elegant French doors with leaded glass that open into a sun-filled living room where natural light highlights the home's original character. The updated kitchen features modern cabinetry, newer appliances, and a cozy dinette space for everyday meals, while the formal dining room is ideal for entertaining guests or hosting holiday dinners. The generously sized primary bedroom offers a convenient half bath with stackable washer and dryer, making daily living easy and efficient. The spacious backyard, sitting on a rare double lot, provides endless possibilities for outdoor living—whether you dream of a lush garden, a play area, or your own private oasis. Located just minutes from the best restaurants, breweries, and shops in Seminole Heights, and with easy access to I-275, you're only a short drive from Downtown Tampa, Ybor City, Armature Works, Ulele, Tampa International Airport, and the University of Tampa. This move-in ready bungalow delivers historic beauty, modern updates, and unbeatable location. Don’t miss this incredible opportunity—schedule your private showing today!
Source: STELLAR #TB8305455
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8305455
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.