2711 COLDSTONE LN, Holiday, FL 34691
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!
You may be able to put down less than the total down payment amount of $235,319 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #u8256006
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.