3029 Jacob Crossing Ln, Holiday, FL 34691
3 beds · 3 baths · 1,813 sqft sqft
Own a luxury townhome at the Preserve at Gulf Trace and live the Florida lifestyle! Affordable and maintenance-free all in a quiet coastal town. With No CDD, this smaller community offers private backyards and a low HOA that includes cable tv, high speed internet, dog park, playground and lawn maintenance. Located near the coastline just minutes from the Gulf and a short commute to Tampa this incredible secluded setting abounds with ponds and common spaces. Stay close to home and enjoy everything Holiday has to offer! Situated close to US 19 and HWY 54, Gulf Trace is located near the area’s major highways. This community will provide you with conveniences as well as easy access to the best of Tampa Bay. Love the outdoors? Check out the nearby recreational center with sports fields, playgrounds and open green space for picnics. This coastal town also puts you only minutes from the beach and all the water sports you can fit into the day! Welcome home! The Pelican townhome is a true townhome experience with elegant layout and features to make you feel right at home. This home features 3 bedrooms, 2 1/2 bathrooms, 1 1/2 car garage and covered custom lanai added by the owner. It is the ONLY lanai in the development of its kind. The cathedral ceilings provide an open feel. The spacious Kitchen has a breakfast bar and room for a bistro set so you can eat right in the kitchen, the great room is large with enough room for a dining set as well. Upstairs is a large loft at the top of the stairs providing you with an upstairs oasis to relax and includes two more bedroom and a separate area for an office, library, or tv room.. The large Owner’s Suite features a walk-in closet, dual sinks in owners bath, and shower. There is an additional powder room downstairs for you and your guests convenience. This property is perfect for a primary residence or a winter escape. There’s storage under the stairs. 3M shatter proof film on all glass, a security system, and solar with battery back up. The electric bill is between $50 and $100. The solar lease is only $110 mo. Average elect is $150 month. The entire house has a water filter and water softener. It comes with a nest thermostat. Furniture, shelving, etc. is all for sale or negotiable. Ample storage, plus more! Don’t miss out on this one of a kind unit! Make this home yours today!
Source: STELLAR #t3530310
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3530310
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: #t3530310
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.