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$725,000 SIGNIN

Sign in to see required down payment for the 3.75% rate

2935 Winglewood Cir, Lutz, FL 33558

4 beds · 4 baths · 4,031 sqft

**Take a VIRTUAL VIDEO TOUR of this home now at www.2935Winglewood.com** If you have been searching for a spacious home in the premium A-rated McKitrick/Martinez/Steinbrenner school district, then look no further than this gorgeous 4,000+sqft home located in the popular gated Sweetgrass section of Stonebrier in beautiful Lutz, FL. Located on one of the largest conservation homesites in this community, this 2008 built home features 4 bedrooms, a bonus room, 3.5 baths, an oversized 2-car garage and 4,031sqft of beautiful living space with over $200K worth of upgrades. As you arrive, you’ll find a brand new, premium dimensional shingle roof for peace-of-mind and lower insurance costs and a welcoming front porch. Upon entering, the expansive foyer includes 24” marble tile floors, 19 ft ceilings and a gorgeous custom glass chandelier. The formal living room provides a quiet space for entertaining and further down the foyer is the formal dining room with hand-scraped hardwood floors. Across from the dining room is a luxurious wine room consisting of custom, built-in cabinetry, marble counters, decorative lighting and a 200+ bottle wine rack. Just outside of the wine room is a butler pantry and wine serving station. The oversized utility room includes the washer/dryer, cabinet storage and a utility sink and leads into the oversized 2-car garage. The gourmet kitchen includes 42” wood cabinets, granite counters & backsplash, updated stainless appliances including double convection Thermador ovens, ceramic cooktop, computer workstation and large island with a breakfast bar. Beyond the kitchen is the spacious dinette with great backyard views. The open-concept layout continues into the family room which has sliders to the covered patio, transom windows and a beautiful marble half-bath that would make for a perfect future pool bath. Head outside to the nearly quarter-acre backyard and you’ll find plenty of room to roam with gorgeous sunset views through the trees and community lakes – no rear neighbors. The spacious backyard is already pre-wired for your future private pool. Back inside, head up the split staircase to the 2nd floor where you’ll find a large bonus room with built-in cabinets and 2 workstations – perfect for homework stations or a private home office. The primary suite spans the entire width of the home and includes French doors, custom lighting, beautiful water views and large sitting area. The expansive primary bath includes dual sinks, granite counters, jetted Jacuzzi tub, oversized walk-in shower, private water closet and a large walk-in closet with a custom organizing system. The guest bedroom is adjacent to a full bath with granite counters and a tub/shower combo. Both the 3rd and 4th bedroom are large and share a full Jack-n-Jill bathroom with granite counters. Additional upgrades include a smart alarm system, water softener with lifetime warranty, surround sound in multiple rooms and engineered hardwood floors. Peace-of-mind included with a Seller-paid 1year home warranty. Enjoy resort quality community amenities in Stonebrier including a zero-depth pool w/splash area, waterslide, poolside cabanas & lounge chairs, playground & 24-hr fitness center. Stonebrier also features community basketball, soccer & cricket fields along w/lots of lakes, ponds & conservation views.

Estimated
Seller's interest rate
3.75%
7%
Estimated
Monthly payment

$2,630
$2,991
You may also save up to $73,309 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,991 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
FHA
Rate
3.75%
Remaining term
16 yrs and 11 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,630
Principal & interest
$1,368
Mortgage insurance
$209
Property taxes
$280
Home insurance
$658
HOA fees
$113
Utilities
Not included

Source: Public records

Home details
Size
4,031 sqft
Lot size
0.22 acres
Year built
2008
Type
Single Family Residence
HOA dues
$113.33

Source: STELLAR #TB8367905

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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.

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.

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 “Save search” 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.

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 620, 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.

View all FAQs
Last updated: Apr 17, 2025 07:32 am
Listing agent: Jeff Berg (727) 534-1679
Listing provided courtesy of: COLDWELL BANKER REALTY (813) 286-6563
Details provided by STELLAR and may not match the public record.
MLS ID: #TB8367905
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 © 2025 MLS GRID. All Rights Reserved.
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