2411 28th Ave E, Palmetto, FL 34221
2 beds · 3 baths · 1,142 sqft
Welcome to Your Dream Residence Carpentras at The Villages of Avignon. Experience the perfect blend of comfort and contemporary living in this beautifully updated 2-bedroom, 2.5-bath residence nestled in the serene Oak View neighborhood. This spacious residence is filled with natural sunlight, thanks to its high ceilings and open concept design. As you step inside, you'll be greeted by a bright and inviting living area that flows seamlessly into the stylish kitchen, equipped with upgraded Samsung appliances. Enjoy the convenience of a Wi-Fi-enabled stove, dishwasher, and washer and dryer, all accessible through your smartphone app. Luxury vinyl plank flooring adds a sophisticated touch throughout the home. The dining area or breakfast nook provides a cozy space for meals and overlooks your private backyard, perfect for entertaining or simply relaxing in your outdoor oasis. The first floor also includes a convenient guest half bath, enhancing the functionality of everyday living. Recent updates feature a brand new hybrid water heater, a new AC and compressor, and a roof that was replaced just one year ago. All windows have been updated, ensuring energy efficiency and beauty. Venture upstairs to discover the master bedroom, a true retreat with a spacious walk-in closet and an en suite bathroom. A second generously sized bedroom and a guest bathroom provide ample space for family or visitors. Plus, the laundry room is conveniently located on the first floor. Step outside to your expansive, fenced-in backyard — an ideal space for outdoor gatherings! This pet-friendly community of Oak View comprises of 200 homes and features a charming park at the main entrance, complete with a children’s playground area. With excellent schools nearby, world-class shopping at Ellenton Outlet, and a variety of dining options, this location truly offers something for everyone. Commuting to St. Petersburg and Tampa is a breeze via nearby I-75, giving you easy access to family fun at the beaches, fishing off the Sunshine Skyway Fishing Pier, or exploring local museums. The HOA takes care of maintaining the common areas and front yards, while homeowners are responsible for their own fenced in backyard care. Enjoy the benefits of living in a community with no CDD fees and no rentals allowed, ensuring a peaceful and family-friendly environment. Don’t miss your opportunity to make this stunning residence your own, complete with a single-car garage for added convenience. Schedule your showing today and embrace the Carpentras at the Villages of Avignon lifestyle! *** USDA LOAN Option Available with ZERO Down Payment***
Source: STELLAR #A4644095
Financials
Source: Public records
Source: STELLAR #A4644095
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.