30657 Palmerston Pl, Wesley Chapel, FL 33545
4 beds · 4 baths · 2,760 sqft sqft
Back on the market due to buyer's financing. Clear 4 Point inspection with no issues. FHA/VA/Conventional lending. Welcome to this one-owner home that epitomizes comfort, style, and meticulous care! Boasting 4 bedrooms, 3 and a half baths, plus an office, this residence offers an ideal blend of spaciousness and functionality. Upon entry, you're greeted by an inviting open layout accentuated by exquisite details such as crown molding, wainscoting, and 20ft ceiling, creating an ambiance of refined elegance throughout. The living space flows seamlessly into the heart of the home, perfect for both daily living and entertaining with ease. The expansive kitchen is a culinary enthusiast's dream, featuring 42-inch cabinetry, granite countertops, stainless steel appliances, that opens up to the main living room. Upstairs you will find all 4 bedrooms. Adjacent to the bedrooms is the laundry room equipped with a new washer and dryer (2023), adding to the home's overall convenience. Retreat to the master suite, where tranquility awaits. Enjoy the luxury of a large primary bedroom complemented by an ensuite bath featuring dual sinks, a soaking jetted tub, and a separate shower with 2 shower heads. Custom closets provide ample storage space while ensuring organization is effortless. Engineered hardwood floors enhance the beauty and durability of the living space, offering both practicality and style. Three additional bedrooms provide versatility for guests, family, or a home gym. Two bedrooms share a Jack and Jill style bathroom, while the other bedroom has its own private bathroom. Step outside to discover the expansive fenced backyard, offering a private oasis for outdoor enjoyment and relaxation. Whether hosting gatherings, gardening, or simply unwinding in nature, this outdoor space is sure to delight. Noteworthy updates/upgrades include a new roof 2022, one AC unit 2020, water heater 2018, water softener, crown molding, wainscoting, custom closets, custom pantry, engineered hardwood floors, and plantation shutters, further enhancing the home's efficiency and comfort. Located in the highly sought-after neighborhood of Palm Cove, LOW HOA and NO CDDs this home offers the perfect combination of serenity and convenience, with easy access to I-75, less than 5 minutes from Publix, Starbucks, Epperson Lagoon, schools, district park, and so much more. Commuters dream! Access to I-75 puts you minutes away from the Tampa Premium Outlets, Wiregrass Mall, restaurants, and much more. Don't miss this rare opportunity to make this meticulously maintained residence your own! Call today for your private showing!
Source: STELLAR #t3531590
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3531590
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: #t3531590
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.