2289 Republic Dr, Dunedin, FL 34698
4 beds · 3 baths · 1,912 sqft
Looking for a home that's survived the hurricane and ready for you to move-in? Pride of ownership shines in this meticulously maintained 4-bedroom, 3-bathroom Dunedin home with a 2-car garage and a stunning above ground new pool. Every detail has been thoughtfully considered by the sellers, allowing you to simply move in and make it your own. Upon entry, you'll find an inviting open front patio perfect for morning coffee or evening relaxation, embodying the peaceful Florida lifestyle. The interior features beautiful light colors, ceramic tile in the living and dining rooms, and vinyl plank flooring throughout—there's no carpet! The home offers formal living and dining rooms, as well as a cozy family room with a wood-burning fireplace. This home boasts numerous upgrades, including windows with plantation shutters and fresh paint inside and out. The kitchen is a chef's dream with white cabinets, granite countertops, and newer stainless-steel appliances. The spacious master bedroom suite includes a walk-in closet and a luxurious bathroom with a jacuzzi tub/shower. The additional bedrooms are generously sized, and all bathrooms have been updated. Enjoy the large Florida room leading to your completely fenced backyard, featuring an array of fruit trees and a new above-ground pool installed in 2022. The home also has significant updates: a new roof in 2021, HVAC and water heater replaced in 2019, and a vinyl fence added in 2023. This community has no deed restrictions or mandatory HOA, and the home is in Flood Zone X, eliminating the need for mandatory flood insurance. Conveniently situated between US19 and Belcher, you'll love the proximity to shopping, restaurants, and the award-winning beaches at Honeymoon and Caladesi Island State Parks. Schedule your tour today before this beautiful home is sold!
Source: STELLAR #u8251113
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8251113
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: #u8251113
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.