3028 Partridge Point Trl, Valrico, FL 33596
4 beds · 3 baths · 2,772 sqft
This remarkable home is situated on a peaceful street with no front neighbors, overlooking a charming park. The fully fenced backyard, adorned with tall trees and mature landscaping, ensures ultimate privacy and a tropical atmosphere. As you step through the double doors, you are greeted by a grand foyer with soaring 20’ ceilings, complemented by elegant arches and striking stained-glass accents. The staircase, complete with beautiful spindle railings, is a standout feature, while the home office, boasting laminate wood floors and 10’ ceilings, offers the perfect work-from-home setup. The inviting living room provides a cozy space to relax, flowing effortlessly into the bright eat-in kitchen and family room combo. Featuring a prep island, built-in desk, stainless steel appliances, tile backsplash, pot rack, and breakfast bar, this kitchen is designed for both family gatherings and casual meals. The first-floor primary suite is a true retreat, with an updated ensuite bathroom showcasing ceramic tile surrounds, dual vanities, and a sunlit transom window. Upstairs, the open loft provides flexible living space, along with three additional bedrooms. Two bedrooms sharing a Jack-and-Jill bath. Your outdoor haven includes a private pool area complete with a wooden swing and a firepit for evenings under the stars. Updates include new carpeting (2024), a new AC unit (2021), and electrical system upgrades (2024), offering peace of mind for years to come. Additional highlights include crown molding, built-in closet systems, 20” diagonal ceramic tile, and roof replaced in 2013. This beautiful home is located in a vibrant community with access to Lake Michaela, a 15-acre park, and amenities like a private pool, tennis and basketball courts, and top-rated schools. Don’t miss out—schedule your viewing today to experience this exceptional home firsthand!
Source: STELLAR #tb8310002
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8310002
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: #tb8310002
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.