2148 Cunningham Dr, Clearwater, FL 33763
3 beds · 2 baths · 1,322 sqft
Welcome to 2148 Cunningham Dr, a beautifully maintained 3-bedroom, 2-bathroom home that radiates warmth and comfort. As you step inside, you'll be greeted by an abundance of natural light streaming through large front windows, complementing the inviting ambiance of the generously sized Florida room. The open-concept layout seamlessly connects the kitchen and living room, perfect for entertaining. Enjoy peace of mind with newer hurricane impact windows, newly installed vinyl flooring, a modern kitchen with stone countertops, a new septic system (2019), and a full roof replacement in 2019 with a transferable 50-year warranty. The spacious fenced-in backyard is ideal for outdoor activities, offering ample space to park your dirt bikes, jet skis, or boats. It's also a great spot for installing a pool or providing a play area for kids and dogs to run and play. Nestled on a tranquil street, yet just minutes from downtown Dunedin, shopping, restaurants, the Gulf, and the Landings Golf Course, this home is in a prime spot. It is only 5 minutes from US 19, providing convenient routes to St. Pete, Tampa, and the stunning white sandy beaches of Clearwater Beach. Enjoy nearby serenity with Lake Citrus within walking distance, offering a peaceful retreat and fishing opportunities just steps from your door. Plus, this property is not in a flood zone, adding an extra layer of security and peace of mind. Benefit from being in one of the best school districts, with Leila Davis Elementary, Safety Harbor Middle, and Dunedin High School all within reach. This home has been lovingly maintained by only two owners, making it a true Florida gem. Don't miss your chance to make this delightful residence your own. Schedule a viewing today and discover the perfect blend of comfort, convenience, and charm!
Source: STELLAR #u8243753
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8243753
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: #u8243753
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.