3047 Enisglen Dr, Palm Harbor, FL 34683
6 beds · 4 baths · 2,598 sqft
LOCATION! LOCATION! This resilient home successfully withstood two recent hurricanes, remaining unflooded and undamaged. Perfectly positioned in a prime area, this property provides safety and security while ensuring comfort in any weather conditions. Beautifully updated 6-bedroom, 4-bathroom, two-story home features modern comfort and stylish elegance. The open floor plan seamlessly connects the spacious living areas, perfect for both entertaining and everyday living. The gourmet kitchen features stunning stone countertops, a wine refrigerator, and ample space for culinary creativity. Cozy up by the wood-burning fireplace in the living room or step outside to your private oasis, featuring a solar-heated saltwater swimming pool and spa. The second floor features hurricane-proof windows, offering extra peace of mind during storm season. Situated on an oversized lot, this home offers plenty of space for outdoor activities and relaxation. Recent upgrades include a 2-year-old roof, a new AC unit on the first floor installed in 2023, and a second-floor AC unit installed in 2015. The first-floor water heater was replaced in 2024. Solar panels are also just 2 years old. Nestled in a highly desirable community, this home offers an incredible location with only a $100 annual HOA fee. Families will appreciate the proximity to top-rated schools, making it an excellent choice for those seeking quality education. Enjoy the convenience of being just 4 minutes away from the beautiful Crystal Beach and only a short 15-minute drive to the scenic Honeymoon Island and Fred Howard Park. Plus, for those who travel frequently, Tampa International Airport is just 21 miles from your doorstep. To top it all off, as you approach the entrance, a serene Koi fishpond welcomes you, adding a touch of tranquility to this already exquisite property. This is a rare opportunity to live in a prime location that combines value, excellent schools, and easy access to some of Florida's most stunning natural attractions.
Source: STELLAR #u8255939
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8255939
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: #u8255939
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.