1 of 77
$725,000

2935 Winglewood Cir, Lutz, FL 33558

4 beds · 4 baths · 4,031 sqft sqft

Amazing value! By far, the lowest priced home per SF in all of Stonebrier! And a new roof to be put on before closing by seller with an acceptable offer! Welcome to your dream home! Situated on a tranquil conservation lot, this exceptional property is located in the beautiful gated Sweetgrass enclave of the Stonebrier community which offers access to Hillsborough County's top-ranked schools of McKitrick Elementary, Martinez Middle, and Steinbrenner High. This expansive 4 bedroom, 3.5 bath contemporary home is sure to "WOW" you! Upon entry, your eye is immediately drawn to the soaring ceiling and then to the luxurious marble flooring and gorgeous hand scraped hardwood flooring, all creating a modern and welcoming ambiance. Plenty of windows inviting natural light into the home add to the warmth and charm that will envelope you. Experience resort-style living within your new community. Enjoy walking or running along the tree lined sidewalks and soak in the beautiful conservation views surrounded by numerous natural lakes, ponds, and wildlife. Enjoy a day out by the zero-depth community pool that features a very fun water slide and a splash pad for those who want to play in the sun. Or simply relax in the poolside cabanas and lounge chairs. Additional amenities include playgrounds, basketball courts, cricket and soccer fields. Or you can take advantage of the 24 hour fitness center. The heart of your new home includes a chef's dream kitchen which opens to your spacious family room. Your new kitchen features beautiful granite countertops, SS appliances and 42" cabinetry that offers ample storage space, a breakfast bar, a built-in desk, and a casual dining area. Imagine the memories you will create with your culinary adventures or get-togethers with family and friends.  There is a large open formal dining room that is perfect for hosting dinners, as well as an open wine bar room seamlessly connecting the dining and kitchen areas together. This open floorplan is perfect for large families who like to host and provides ample room for large gatherings.  At the top of the split staircase, the open area makes a wonderful open office with cabinets that provide a functional and organized workspace.  This could also serve as a fantastic schoolwork area. Surrounding this area are four bedrooms and three full bathrooms. The master suite epitomizes luxury, with its grand size and an opulent ensuite master bath featuring a large soaking tub, glass-enclosed shower, and his-and-her sinks, as well as a very spacious walk in closet with a California closet system. Two additional bedrooms share jack and jill access to a full bath, and the fourth bedroom is situated next to the the third full bath and could serve as a private guest retreat.  Enjoy peaceful mornings, family birthdays or barbeques in your enormous backyard - the perfect retreat offering privacy with no rear neighbors.  Ample room to put in a private pool if you so desire. Your new home features include a whole house water treatment system with triple filtration and extra blown in insulation in the attic ensuring nominal utility bill. Low HOA fees and preferred "X" flood zone. Seller is including a 1 year home warranty, ensuring peace of mind for the fortunate new owners! Convenient access to schools, restaurants, banking, shopping and major roadways and Tampa International Airport is only a 30 min drive away.

Interest rate 3
3.75%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$1,368
With Roam
$1,678
Reduce your monthly payments by $310 when you assume this mortgage.
You also save $64,953 in total interest paid.

$515,272
Edit

You may be able to put down less than the total down payment amount of $515,272 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
Details
Home
Size
4,031 sqft
Lot size
0.22 acres
Year built
2008
Type
Single Family Residence

Source: STELLAR #u8246439

Loan
Remaining term
17 years, 5 months
Rate
3.75%
Monthly P&I
$1,368
Remaining loan balance
$209,727

Source: Public records

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?

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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?

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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?

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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?

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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?

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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.

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Last updated: Oct 22, 2024 08:48 am
Listing agent: Virginia Werneken PA (727) 207-5738
Listing provided courtesy of: FUTURE HOME REALTY INC (813) 855-4982
Details provided by STELLAR and may not match the public record.
MLS ID: #u8246439
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2024 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 45 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,368/mo
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