270 N Harbor Dr, Palm Harbor, FL 34683
3 beds · 3 baths · 1,700 sqft
Price Reduced! Welcome to this elegant townhome, situated in the newer Phase II of the Harbor Ridge subdivision in Palm Harbor built in 2015. This exceptional 3-bedroom, 2.5-bath residence with a 2-car garage offers an ideal fusion of luxury and comfort. Nestled on an oversized lot, this end unit enjoys a more secluded front entrance framed by mature trees. As you step inside, you'll be greeted by an abundance of natural light flowing through the open space, enhanced by soaring ceilings, crown molding, and beautiful engineered hardwood floors on the first level. Hurricane-rated sliding doors and double-pane windows ensure safety while allowing sunlight to flood the home. Notably, the Harbor Ridge community did NOT experienced any storm or flooding issues. The gourmet kitchen features granite countertops, a stylish subway tile backsplash, custom wood cabinetry, and high-end stainless-steel appliances. An oversized pantry provides ample storage, and a breakfast bar complements the space as well as room for a kitchen table and chairs. Convenient access to the garage from the kitchen leads to a spacious two-car garage, with a garage door opener and keyless entry pad. Entertain in the inviting living room, which includes a half bath and dining area. Hurricane-rated triple sliding glass doors open to a covered patio and an expansive brick-paved lanai, overlooking lush greenery, creating a perfect outdoor retreat. Upstairs, three well-sized bedrooms features carpeting, vaulted ceilings, and ceiling fans. The primary suite is generously sized, boasting views of the lush green surroundings, a large walk-in closet, and an en-suite bath with an oversized counter and tiled shower. The two additional bedrooms are equally spacious and include ample closet space, and an additional full-size bathroom featuring a tub/shower combo. The upstairs laundry area is equipped with full-size Whirlpool washer and dryer. The townhome also features hurricane-impact windows and doors throughout and energy-efficient appliances. Located just off Alt 19, residents enjoy easy access to the Pinellas Trail, Tarpon Sponge Docks, Dunedin Beach, and a variety of shopping and dining options. Low HOA fees of $375 a month cover essential amenities such as: Cable TV, Internet, Sewer, Water, Trash, Exterior Maintenance, Grounds Maintenance, and Access to the Community Pool. Yes, ALL THIS INCLUDED! This pet-friendly community allows up to two pets with no weight restrictions, epitomizing convenience and luxury living. Don’t miss the chance to make this stunning residence yours—schedule a showing today BEFORE IT'S GONE!
Source: STELLAR #tb8304992
Source: STELLAR #tb8304992
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: #tb8304992
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.