234 Caryota Ct, New Smyrna Beach, FL 32168
3 beds · 2 baths · 1,505 sqft sqft
BACK ON THE MARKET DUE TO NO FAULT OF THE SELLER!!! Situated in the highly sought-after Venetian Bay community, this impeccably maintained concrete block home, constructed in 2020, features three bedrooms and two bathrooms, complemented by stunning water views. Upon arrival, you will be welcomed by a recently resealed paver driveway and refreshed landscaping. Stepping inside, you will find an open-concept floor plan that is perfect for entertaining. The kitchen showcases timeless white cabinetry, granite countertops, stainless steel appliances, a closet pantry, and ample space for a coffee bar. It seamlessly overlooks the living room and the picturesque backyard water views. The thoughtfully designed split-bedroom layout ensures privacy and comfort for all family members and guests, while the primary suite serves as a serene retreat, offering backyard water views, a walk-in closet, and an ensuite bathroom featuring dual sinks and a walk-in shower. Additional noteworthy features include a water softener system, a fenced backyard, an enclosed screened lanai, tile and luxury vinyl plank flooring throughout, and an epoxy-coated garage floor. Embrace the Venetian Bay lifestyle with access to Town Center, which includes restaurants, a gym, a salon and spa, Venetian Bay Market, and a variety of community events. Residents also have the option to join the championship 18-hole golf course and the swim club, which features a resort-style pool and tiki bar. Enjoy the beautiful beaches just a short drive away or explore the vibrant shopping and dining options along Flagler Avenue. Engage in a variety of water sports and experience world-class fishing, all within minutes of the community. This area offers convenient access to I-95, facilitating easy travel to shopping and medical facilities. Additionally, Orlando International Airport and popular attractions such as Walt Disney World and Universal Studios are approximately an hour's drive away. Numerous nearby parks provide opportunities for exploration, and residents can even view rocket launches from the nearby Kennedy Space Center. Don't miss the opportunity to own this exceptional home! Schedule your showing today and begin living the life you've always dreamed of!
Source: STELLAR #fc304064
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #fc304064
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: #fc304064
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.