2304 Rose Blvd, Winter Haven, FL 33881
3 beds · 2 baths · 1,725 sqft
Welcome to 2304 Rose Blvd, Winter Haven, Florida! This charming 3-bedroom, 2-bathroom home, built in 2019, is a wonderful blend of modern design and comfort. Perfectly situated just a few minutes from Polk State College, Winter Haven Hospital, and all the attractions, dining, and shopping Winter Haven has to offer, this home provides the convenience of city living in a peaceful community setting. Sitting on an oversized corner lot, there is plenty of room to spread out and enjoy outdoor activities. The backyard is fully fenced with a durable white vinyl fence, offering not only privacy but also a safe space for pets or children to play. The extra-large concrete driveway provides ample parking for multiple vehicles, making it perfect for families or those who love to host guests. Inside, you’ll find a welcoming open floor plan that combines the kitchen, dining, and family rooms—ideal for entertaining and daily family life. The high ceilings add an airy and spacious feel, while the split floor plan ensures privacy between the main bedroom and secondary bedrooms. The inside laundry room offers added convenience, with easy access to the main living spaces. The spacious kitchen is a chef's delight, featuring a large island, sleek quartz countertops, plentiful cabinet storage, and a roomy pantry to keep everything organized. It’s fully equipped with modern appliances, making it easy to prepare meals while still being part of the conversation in the family room. The two comfortable secondary bedrooms are well-sized, each with built-in closets that offer plenty of storage space. The main bedroom is truly a retreat, offering tranquility and ample space to unwind after a long day. It boasts a large walk-in closet, providing abundant storage space, and an en-suite bathroom featuring a spacious shower (no tub), a private water closet, dual vanity sinks, and elegant tile flooring. Step outside and you’ll find a lovely 6’x10’ covered porch—perfect for sipping your morning coffee or enjoying an evening breeze. The expansive backyard is a blank canvas, ready for a play area, garden, or even a pool if you desire. This community does not have a CDD, which means your property taxes will be more affordable. Additionally, the low-cost HOA is only $300 per year. For added savings, the home comes with an assumable solar panel system, offering substantial reductions on your monthly electricity bill—a great bonus for those looking to live more sustainably. This home offers the perfect combination of space, comfort, and energy efficiency in a fantastic location. Don’t miss your chance to make this wonderful property your own—schedule your showing today before it’s gone!
Source: STELLAR #p4932557
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #p4932557
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: #p4932557
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.