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234 Caryota Ct

New Smyrna Beach, FL 32168

3 beds · 2 baths · 1,505 sqft

$399,900

$2,228/mo with 3.89% Express Financing

$2,818/mo with 7% bank financing

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About this home

Under contract-accepting backup offers. 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

1,505 sqft
0.12 acres
Single Family
Built in 2020

Neighborhood
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FAQs

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.

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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Apr 14, 2025 07:59 pm
Listing provided courtesy of: REAL BROKER, LLC (855) 450-0442
Details provided by STELLAR and may not match the public record.
MLS ID: #fc304064
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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