217 Kent Ct, Haines City, FL 33844
3 beds · 2 baths · 1,785 sqft
Get a free consultation call with an expert in the mortgage assumption process.
**Motivated Seller!!** Nestled in a cozy subdivision on a dead-end street, surrounded by local wildlife with Lake Pierce’s canal right out the back door, lies this 2109 sf, 3 Bedroom 2 Bath custom-built home, with a heated 26’x21’ Lanai. This can be your FAMILY DREAM HOME OR your RETIREMENT REFUGE, OR another AIR B&B RENTAL, depending on your lifestyle! In 2021 and 2022, this home had an updated journey! All new kitchen LG appliances: 29cf French Door refrigerator with Craft Ice feature; Double Sink and garbage disposal; Dishwasher; 2-oven electric stove; Microwave; plus the washer and dryer. Also, new granite kitchen counters; Plus, A new roof; 27 solar panels to offset electricity costs; newly sodded lawn; new Andersen, UV double-hung windows in the home, not including the Lanai; completely painted inside and out; new, larger capacity HVAC; And in 2024, a new water heater was added. The Living Room/Dining Room open floorplan combo sports a vaulted ceiling with decorative display inserts. The kitchen provides solid wood cabinets, a granite breakfast bar, plus all kitchen and master bath cabinets feature PULL-OUT shelves, for convenience. The kitchen double sink is stainless steel for endurance. Also, there are ceiling fans throughout the home, including the Lanai. The PRIMARY MASTER SUITE features an extremely LARGE walk-in closet with metal shelving the length of the room; and en-suite bathroom with dual sinks, plus upgraded shower enclosure with tiled seat, plus closet storage. Secondary bedrooms are separated by a standard bathroom that features a shower/bathtub combination. Window treatments are included; Carpeting throughout the living room and bedrooms, with tile in all other areas. The inside laundry room sports additional storage cabinets, plus an inside sink for convenience! There is a 3-car garage, with plenty of room to house your vehicles, and/or lawn/gardening equipment; plus plenty of storage, sink, workbench, ceiling fan, and pull-down ladder to lots of attic storage! There is a well for irrigation and watering. Plus, a mature avocado tree that gives really LARGE AVOCADOS. Sprinklers installed over the entire lawn; Various landscaping lights and flower beds were added, to update the grounds appearance where needed. There is a decorative border fence with solar post lights. The Lanai opens to the 26’x21’ decorative cement patio covered with the decorative pergola and fan. There is no pool with this property, HOWEVER, there is room to place one, if you so desire. The power is ALREADY SET-UP for a HOT TUB/SPA, if desired. The HOA fees for 2025 are $250.00/year, payable in quarterly installments, if needed. The location of this home is a superb location for your carefree lifestyle, whatever that may be, as there are NO REAR NEIGHBORS. The location is centrally located, making it easier to travel to Florida’s major attractions such as Disney World, Sea World, Busch Gardens, and Universal Studios.
Source: STELLAR #P4934286
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 #P4934286
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 and Equal Opportunity Act.