237 Shell Falls Dr, Apollo Beach, FL 33572
3 beds · 2 baths · 1,616 sqft
Experience Premier Retirement Living at Southshore Falls, a distinguished gated community renowned for its resort-style amenities and maintenance-free lifestyle. This vibrant neighborhood fosters an active environment where residents enjoy walking, biking, and engaging in a variety of events. Step into this meticulously maintained 2-bedroom + den, 2-bath villa with a 2-car garage, featuring an open floor plan that is truly move-in ready. The home showcases a custom kitchen, upgraded in 2022, complete with new appliances, ample counter space, oversized 42" cabinets, and a closet pantry. The kitchen seamlessly overlooks the living area, enhancing the home's functional design. The popular split floor plan places the Owner's suite at the rear of the home, offering a tranquil retreat with a walk-in closet and a private bath. This bath is well-appointed with a double sink vanity and a spacious tiled walk-in shower with a built-in seat. In 2022, designer laminate flooring was installed in the bedrooms, complementing the home's overall aesthetic. Freshly painted interior walls in 2023 add to the home's contemporary appeal. The second bedroom, ideally located near the second bath and the versatile den/3rd bedroom area, provides a welcoming space for guests. Outdoor living is a delight with a screened-in lanai, perfect for relaxation, and a screened porch at the front entry, ideal for greeting neighbors. The 2016 Trane HVAC unit ensures energy efficiency throughout the year, contributing to the home's overall comfort. Residents enjoy a maintenance-free lifestyle, with services such as lawn care, exterior maintenance, sprinkler and irrigation upkeep, and all water utilities included. The community's state-of-the-art clubhouse is a hub of activity, offering three pools, a hot tub, a fitness center, an internet café, bocce ball, pickleball, tennis courts, and a putting green. A myriad of activities and clubs are available, catering to a wide range of interests. Centrally located between Tampa, St. Pete, Bradenton, and Sarasota, Southshore Falls offers easy access to I-75, airports, cruise lines, beaches, and hospitals, all within a 30-45 minute drive. This exceptional home is ready to welcome its new owners—schedule your private showing today.
Source: STELLAR #t3547796
Source: STELLAR #t3547796
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: #t3547796
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.