303 W North Bay St, Tampa, FL 33603
3 beds · 3 baths · 1,950 sqft sqft
Located in one of the city’s most desirable neighborhoods, this beautifully updated 1920s four-square home blends classic charm with modern comfort. Every detail has been thoughtfully crafted to create an inviting space that’s ideal for cozy family gatherings and entertaining friends alike. The heart of the home is a spacious kitchen designed for more than just cooking, with an open layout and generous counters perfect for family meals, collaborative cooking, or even a spontaneous dance. Enjoy mornings and evenings on the welcoming front porch, where mature trees provide just the right balance of privacy and connection with the neighborhood. Out back, a shaded retreat offers the perfect escape for warm days, ideal for hosting outdoor get-togethers or quiet relaxation. An upstairs laundry room makes life easy with bedrooms close by—no more hauling laundry up and down the stairs. Inside, multiple living spaces give you the flexibility for both casual and formal occasions, with a cozy family room near the dining area and a bright, airy living room near the kitchen. Two separate offices provide privacy for those working from home, offering dedicated spaces for productivity. With a spacious driveway, you and your guests can enjoy ample off-street parking for added convenience. Just steps from Florida Ave, you’ll love the proximity to trendy dining spots, local breweries, and boutique shopping. The nearby park offers a green escape for family outings or peaceful solo strolls, making this an ideal home for those who appreciate a balance of city living and natural space. Tall ceilings and large windows bring abundant natural light into the home, creating a bright, welcoming atmosphere all year. Don’t miss this unique opportunity to own a property that combines historic appeal with contemporary features in a prime location. Schedule a tour today to experience it firsthand!
Source: STELLAR #tb8313011
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8313011
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: #tb8313011
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.