2711 Coldstone Ln, Holiday, FL 34691
4 beds · 3 baths · 2,195 sqft sqft
Welcome to your dream home in the gated resort-style community of Key Vista, located in beautiful Holiday, Florida! This stunning residence offers 2,195 square feet of open and spacious living area, featuring a 4-bedroom, 3-bathroom split plan. High ceilings throughout and vaulted ceilings with plant shelves in three of the bedrooms add an elegant touch. The master suite is a true retreat, offering two closets, including one walk-in, and a luxurious bathroom with dual vanities, a garden tub, and a walk-in shower. The modern kitchen is perfect for both cooking and entertaining, with granite countertops, stainless steel appliances, and an extra-large island that provides ample dining space and storage. An indoor laundry room adds to the convenience of this home. Key Vista offers a variety of resort-style amenities for residents, including a clubhouse with a full fitness center, a heated Olympic-sized pool and spa, tennis courts, a volleyball court, and a playground. There’s even a fenced area for boat and RV parking when available. With no CDD fees and no required flood insurance, this home is both affordable and worry-free. This community is ideally situated for outdoor enthusiasts, with the Coastal Anclote Trail located just off Baillies Bluff Road. Enjoy the natural beauty of Key Vista Nature Park, Anclote Gulf Park, and Anclote River Park, which offer picnic areas, swimming spots, and opportunities for scalloping. Experience the charm of old Florida with its serene and tranquil environment, all while being minutes away from the Pinellas Trail and the world-famous Sponge Docks in Tarpon Springs. Here, you'll find an array of seafood and Greek restaurants, bakeries, coffee shops, and boutiques. Nearby marinas and public boat launches, including Port Tarpon Marina, offer boat storage and rental options for water enthusiasts. Don’t miss your chance to own a piece of paradise in this quiet, serene, and family-friendly community!
Source: STELLAR #u8256006
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8256006
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: #u8256006
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.