VA loan
1 of 37
VA loan
$750,000

3025 W North A St, Tampa, FL 33609

4 beds · 2 baths · 1,957 sqft sqft

Imagine waking up each day in a home where modernity meets timeless charm, nestled in one of Tampa's most sought-after neighborhoods. Just moments from the iconic Bayshore Boulevard and the bustling Hyde Park Village, this nearly 2,000 square feet of coastal contemporary elegance awaits. Within the esteemed Plant High School district, this residence is a masterclass in design and innovation. Step inside and be greeted by the whisper of fresh paint on the walls, a clean canvas ready for your next chapter. The home has been masterfully updated with cutting-edge technology: a 72-hour double Tesla Powerwall solar energy system that ensures uninterrupted power. The reinforced roofing and rainwater catchment system with custom barrels matched to a front and back zone automated sprinkler system hints at a life both sustainable and serene. And those leaf-guarded custom gutters? A quiet promise that this home is built to stand the test of time. Comfort is at your fingertips. A dual-zone HVAC system, harmonized with Nest smart thermostats, ensures the perfect climate year-round. Smart locks by August, paired with a fully integrated Ring alarm and doorbell system, offer peace of mind in every square foot. The covered front porch beckons, offering a tranquil retreat for your morning coffee or an evening moment of reflection. As you enter, restored hardwood floors stretch beneath your feet, guiding you through light-filled living spaces where elegant crown molding and modern fixtures catch the eye. Sunlight pours through large windows, illuminating every corner, while the air whispers of sophistication. In the kitchen, culinary dreams come to life. White shaker cabinets, gleaming granite countertops, and a stunning backsplash set the scene. The network-connected LG ThinQ appliances are brand-new, ready to help you create memorable meals, whether for a quiet night in or a lively gathering around the spacious breakfast bar. Retreat to the upstairs primary suite, a haven of serenity with windows that bathe the room in natural light and leave you feeling like you’re nestled among the trees. A custom walk-in closet, meticulously designed with cedar-lined shelves, offers the perfect space for your treasures. The adjoining bathroom is nothing short of a spa escape, with a walk-in shower that invites relaxation after a long day. Step outside to discover an oasis of relaxation. The newly renovated screened-in deck is ideal for alfresco dining, while the terrace—featuring Italian stone and a fire pit—provides a stunning backdrop for evening conversations under the stars. Two expertly crafted storage sheds offer endless possibilities, be it for storing outdoor gear or transforming into creative spaces. This isn’t just a house. It’s a lifestyle—a seamless blend of classic beauty and contemporary convenience. Ready for your next adventure? Schedule a private tour and see for yourself how this home redefines coastal living in the heart of Tampa. View the home virtually with this link: my.matterport.com/show/?m=Q3qvVdvYcWB&mls=1

Interest rate 3
2.875%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$2,320
With Roam
$3,410
Reduce your monthly payments by $1,089 when you assume this mortgage.
You also save $347,483 in total interest paid.

$232,795
Edit

You may be able to put down less than the total down payment amount of $232,795 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.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Size
1,957 sqft
Lot size
0.19 acres
Year built
1942
Type
Single Family Residence

Source: STELLAR #t3551698

Loan
Remaining term
26 years, 7 months
Rate
2.875%
Monthly P&I
$2,320
Remaining loan balance
$517,204

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 23, 2024 08:55 am
Listing agent: Brenda Wade (813) 655-5333
Listing provided courtesy of: SIGNATURE REALTY ASSOCIATES (813) 689-3115
Details provided by STELLAR and may not match the public record.
MLS ID: #t3551698
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.
$2,320/mo
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