228 Pine Winds Dr, Sanford, FL 32773
4 beds · 2 baths · 1,260 sqft sqft
SELLER OFFERING $5,000 FLEX CASH!!! Use this valuable incentive toward your closing costs or prepaids to make your home-buying process easier and more affordable. Welcome to new beginnings in the heart of Sanford's coveted Hidden Lakes neighborhood! This exceptional four-bedroom, two-bathroom home combines comfort, versatility, value—(PRICED TO SELL), and is ready for a new owner seeking a spacious home or a valuable rental investment. Nestled on nearly a quarter-acre lot, this property welcomes you with an expansive layout perfect for a variety of lifestyles. Step inside to a well-designed open floor plan that seamlessly combines shared spaces and private retreats. Sunlight fills every room through the home’s NEWLY INSTALLED 2021 ENERGY-EFFICIENT WINDOWS, creating a bright, welcoming ambiance that makes the home feel airy and inviting. The main living room flows effortlessly into the dining area, making it easy to entertain family and friends. The kitchen features ample cabinet space, durable countertops, and a practical layout that offers plenty of room to prepare meals and enjoy casual dining. Each of the four bedrooms provides flexibility, whether you need a home office, guest room, or extra space for a growing family. The primary suite includes an ensuite bathroom with a walk-in shower, providing a comfortable, private retreat. This home also boasts a NEW 2021 METAL ROOF and UPDATED ELECTRICAL PANEL (2017), offering peace of mind and reliability. Outside, the fully fenced, expansive backyard is a true gem. The screened-in porch invites you to relax, while the newly added stone pad is perfect for grilling, gathering around a fire pit, or setting up an outdoor dining area. This backyard sanctuary is designed to let you enjoy the best of Florida’s outdoor lifestyle. This home has been thoughtfully kept as a smoke-free space, ensuring a fresh and welcoming environment for its next owners! Proximity is Key! Hidden Lakes is known for its prime location just off Lake Mary Boulevard, offering easy access to Lee P. Moore Park with basketball, tennis, and pickleball courts, a baseball field, and a playground. You’re also just minutes from grocery stores, shopping, gyms, coffee shops, restaurants, medical facilities, Sanford Airport, Seminole State College, and major roadways like SR 417, U.S. 17-92, and I-4. With its charm, recent updates, and ideal location—PLUS A $5,000 FLEX CASH FROM THE SELLER—this Hidden Lakes home is ready for you to make it your own. Whether you're looking for a family residence or a fantastic rental property, this opportunity is not to be missed!
Source: STELLAR #o6258428
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #o6258428
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: #o6258428
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.