2687 N Annapolis Ave, Hernando, FL 34442
3 beds · 2 baths · 2,056 sqft
Welcome to your dream home in the serene Citrus Hills Community. Nestled on a sprawling acre of land, this exquisite three-bedroom, two-bathroom block home offers the perfect blend of modern elegance and tranquility. Built in 2020, this gem showcases impeccable craftsmanship and thoughtful design throughout. As you step inside, you'll immediately notice the grandeur of the 10-foot ceilings adorned with elegant crown molding, lending an air of sophistication to every room. The open floor plan seamlessly connects the living room, dining area, and kitchen, creating a harmonious space for entertaining and everyday living. The heart of this home is the gourmet kitchen, boasting granite countertops and newer stainless-steel appliances. The center island not only provides ample prep space but also doubles as a delightful breakfast spot for those busy mornings. Natural light cascades through the glass sliding doors, illuminating the kitchen and creating a warm, inviting ambiance. The spacious living room serves as a gathering place for friends and family, with its glass sliding doors opening up to the covered back porch—a private oasis where you can enjoy alfresco dining, savor your morning coffee, or simply unwind while admiring the picturesque views of the surrounding nature. Retreat to the master suite, a true sanctuary of comfort and relaxation. The en-suite bathroom boasts double vanities, a walk-in shower, and a separate garden tub, offering a blissful escape after a long day. A large walk-in closet provides ample storage for all your wardrobe needs. Two additional well-appointed bedrooms provide comfortable spaces for family members or guests, each with generous closet space. The premium vinyl flooring throughout the home adds a touch of elegance, while the carpeted bedrooms provide cozy comfort. Convenience is key in this remarkable property, with an indoor laundry and utility room equipped with a washer and dryer that convey with the home. The covered front porch welcomes you with open arms, creating an inviting entryway to greet guests. Noteworthy features include low HOA fees, covered front and back porches, and the alluring combination of modernity and natural charm. With its prime location, exceptional amenities, and meticulous attention to detail, this home offers an unparalleled living experience. Don't miss the opportunity to make this stunning property yours. Embrace the lifestyle you deserve in the embrace of Citrus Hills. Schedule your showing today and let your dreams become a reality in this remarkable haven of tranquility and luxury.
Source: STELLAR #u8226058
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8226058
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: #u8226058
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.