211 W North Bay St, Tampa, FL 33603
2 beds · 2 baths · 1,184 sqft sqft
Charming 1925 Craftsman Bungalow in South Seminole Heights - Fully Updated & Move-In Ready! Step into this beautifully updated 2 bedroom, 1.5 bath 1925 Craftsman Bungalow, perfectly situated on an extra-large corner lot in the heart of South Seminole Heights. This historic gem effortlessly blends classic charm with modern amenities, offering the best of both worlds. As you approach, you’re welcomed by a spacious front porch, perfect for enjoying a morning coffee or evening sunset. The elegant French doors with leaded glass invite you into the light-filled living room, adorned with historical details and plenty of natural light. The updated kitchen features modern cabinets, newer appliances, and a cozy dinette area for casual dining. The adjacent formal dining room provides ample space for hosting family dinners or entertaining guests. The primary bedroom is generously sized and includes an adjoining half bath with a convenient stackable washer and dryer, making daily tasks a breeze. Recent upgrades include a new roof (2023), HVAC system (2021), and complete interior renovations (2019), ensuring you can move in with peace of mind. Love outdoor space? You’ll adore the double lot and expansive backyard, perfect for gardening, relaxing, or creating your own outdoor oasis. Nestled in a vibrant neighborhood, this home is just minutes from all the trendy Heights hotspots and a short drive to Downtown Tampa, Ybor City, Tampa International Airport, and The University of Tampa. Enjoy easy access to major hospitals and everything the area has to offer, including a fantastic selection of dining, bars, shopping, art galleries, theaters, parks, and more. This is the home you’ve been waiting for! Historic charm meets modern convenience in one of Tampa’s most desirable neighborhoods. Don’t miss out—schedule your private tour today!
Source: STELLAR #tb8305455
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8305455
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: #tb8305455
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.