2808 Winding Trail Dr, Valrico, FL 33596
4 beds · 3 baths · 3,144 sqft sqft
Welcome to 2808 Winding Trail Drive, a stunning abode nestled in the coveted Twin Lakes community of Valrico. This smartly designed home boasts 4 bedrooms, 3 bathrooms, and a generous 3,144 square feet of living space, all set on a spacious .37 acre corner lot. Step inside to discover a host of modern amenities, including a formal dining room, decorative fireplace, and a convenient breakfast nook. The spacious kitchen is equipped with an island and stainless appliances for a chef's paradise. The property features a 3-car garage, providing ample parking and storage space. Entertain guests in style in the screened-in pool and newly re-surfaced lanai, or enjoy the privacy of your own cabana and private outdoor space. The home also features a security system for peace of mind and is pet-friendly, making it a haven for all family members, including the furry ones. Upstairs, an oversized flex/entertainment space awaits, offering endless possibilities for relaxation and leisure. The whole house water softener and reverse osmosis water filtration system ensure that you can enjoy the best quality water throughout the home. Conveniently located less than 40 minutes from Tampa International Airport and under 45 minutes from MacDill AirForce Base, this home offers easy access to major amenities. Enjoy leisurely outings at TopGolf and Brandon Town Center Mall, both just 20 minutes away, or savor the local craft brews at Bullfrog Creek Brewing Co., less than 10 minutes from your doorstep. Don't miss the opportunity to make this exceptional Valrico residence your own. Contact us today to schedule a viewing and make this house your new home!
Source: STELLAR #t3547814
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3547814
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: #t3547814
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.