2470 Pine Tree Circle Dr, Orange City, FL 32763
4 beds · 2 baths · 1,793 sqft
One or more photo(s) has been virtually staged. Once considered the least desirable home on the block, this property has been completely transformed—lovingly reimagined by owners who poured their heart into creating a beautiful and welcoming space for their family. This is not a flip—it’s a labor of love and pride. Inside, you’ll find wood-look tile flooring throughout and a spectacular open-concept kitchen that now serves as the heart of the home. Walls were removed to create an expansive living area featuring mocha-toned custom cabinetry, granite countertops, top-of-the-line appliances, and a massive island perfect for entertaining and gathering. The classic brick exterior was recently washed to bring back its original charm and curb appeal. While public records show only 2 bedrooms, the home offers 4 spacious rooms with abundant storage and flexibility for bedrooms, an office, playroom, or craft space. Both bathrooms have been tastefully remodeled, and the primary suite includes a beautifully updated bathroom with a modern twist and a walk-in closet with custom built-ins. The oversized garage includes a new water heater and washer/dryer hookup—with the option to relocate laundry inside to a convenient interior closet between bedrooms. Outside, the enclosed rear porch offers even more entertaining space, plus a separate area that could be used for a playroom, home office, or creative nook. Spacious fenced in yard and update include Roof - 2019. This is a solid and well built home in an established community. Located in the heart of Orange City, this home is surrounded by new communities, hospitals, shops, restaurants, and just minutes from I-4, Blue Springs State Park, and local colleges. Orange City is an awesome town close to downtown DeLand and Stetson University, offering a blend of artistic, cultural, and natural amenities. You're also conveniently located near the SunRail station in DeBary, I-4, and SR-44, which takes you straight to the beach! Don’t miss your chance to own this one-of-a-kind gem—schedule your showing today!
Source: STELLAR #O6299412
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #O6299412
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.
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.
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.
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 620, 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.