308 Belle Terre Ave, Temple Terrace, FL 33617
5 beds · 5 baths · 2,942 sqft sqft
One or more photo(s) has been virtually staged. Discover the perfect combination of comfort and convenience in this beautifully updated 2942 sq ft home! It features 5 bedrooms +bonus, 3 full baths, and 2 half baths (with the Primary and 2nd bedroom conveniently located on the 1st level) 2Car plus a bonus golf cart garage. Situated in a prime location facing hole #1 of the Temple Terrace Golf Course, this home provides not only incredible picturesque views but also just a short stroll to the Golf and Country Club! Inside, you'll find an open, airy floor plan filled with an abundance of natural light from lots of windows throughout. The updated kitchen features quartz countertops, stainless appliances and plenty of space for the home Chef, while the recently renovated bathrooms add a touch of luxury and style. The 11’ oversized breakfast bar is perfect for entertaining guests or large family gatherings. Closets galore (for the organizer in you) will provide all your storage needs making this home as practical as it is beautiful. A brand-new roof (2024), newer hot water heater (2021), spacious bedrooms, and thoughtful updates throughout blends modern living with a peaceful setting and easy access to many community amenities. In addition to the home’s features, the location is unbeatable. You're a short walk to community parks, perfect for outdoor activities and family time. Enjoy the annual 4th of July parade and fireworks right out your front door. The nearby Temple Terrace Recreation Center offers resident memberships and include a pool, fitness center, basketball, tennis, gymnastics and volleyball ensuring you have everything you need just minutes away. Close to shopping, restaurants, USF, Moffitt, VA, hospitals, and downtown Tampa! Whether you have a large family, you're an avid golfer, an exercise enthusiast, or simply seeking a peaceful retreat in a vibrant community, this home completes the perfect balance of lifestyle and leisure Florida Living! It is move-in ready so, make your appointment today!
Source: STELLAR #tb8300956
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8300956
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: #tb8300956
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.