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309 Royal Bonnet Dr

Apollo Beach, FL 33572

4 beds · 4 baths · 3,348 sqft

$649,000

$2,955/mo at 3% with Roam

$3,766/mo at 7% with a bank loan

Get prequalified

About this home

EMBRACE LUXURY & PRIVACY IN SOUGHT AFTER HARBOUR ISLES. BRAND NEW ROOF, BRAND NEW IMPACT-RATED WINDOWS ON 2ND FLOOR AND SOLAR PANELS THAT WILL BE PAID OFF (with acceptable offer) AT CLOSING. You'll love the LOW ELECTRIC BILLS!! You will first be impressed by the double door glass entry with large transom above that allows lots of natural light into the stunning 2 story foyer. AMAZING 4 BEDROOM, 4 FULL BATH, PLUS OFFICE & BONUS ROOM & OVERSIZED 3 CAR GARAGE. This home sits on .27 acre CONSERVATION LOT, FULLY FENCED and has been professionally landscaped in back with tropical trees & flowering shrubs allowing for complete privacy. Property also has reclaimed water to save you a bunch of water for exterior water. OVER 3300 SQ FT OF CERAMIC TILE is just one of the perks of the fabulous home. If you love to cook, you will love the size of kitchen complete with large island, oversized breakfast bar, and plenty of cabinets/counter space & 2 walk-in pantries. It also has breakfast nook with bay windows providing lots of natural light & view of the backyard. Nice size living room with triple sliders leading out to the gorgeous paved screened-in patio & garden area. The LARGE MASTER BEDROOM/BATH IS LOCATED ON THE 1ST FLOOR and has 2 walk in closets, spacious shower & dual sinks. NOW FOR THE UPSTAIRS....all bedrooms are generously sized (all ceramic tile), bedroom #3 includes private full bath. There is another full bath on 2nd level as well along with a separate storage room. BONUS ROOM on 2nd floor for everyone to enjoy! A/C 2017/2018, Hot water heater 2021.Community offers resort style pool, fitness center, clubhouse, walking trails, fishing piers, playground & boat/RV storage (if spots available). Great location in growing area and you can be to some of the nicest beaches in FL in less than an hour. NO FLOOD INSURANCE REQUIRED!! HOUSES DON'T LAST LONG ON THIS DESIRABLE STREET IN HARBOUR ISLES SO DON'T WAIT, CALL TO SEE IT TODAY!

Source: STELLAR #TB8360318

3,348 sqft
0.27 acres
Single Family
Built in 2011
3 car garage
Air conditioning
Shared pool

$2,955/month
Compared to $3,766/mo with 7% bank loan

$349,572
24y 10mo
3% 7%
$349,572 at 3% (VA)
$0 at 7.875% No GAP financing needed

Payments are estimates and subject to approval. To learn more about rates, contact us.


Payment details
Principal & interest
$1,665
Mortgage insurance
-
Property taxes
$692
Home insurance
$589
HOA fees
$8
Utilities
Not included
Total monthly payment
$2,955

Loan details
Loan type
VA
Remaining balance
$349,572.42
Remaining term
24 yrs and 10 mos

Neighborhood
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FAQs

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.

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.

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.

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.

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 “Save search” 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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Jul 28, 2025 08:27 pm
Listing provided courtesy of: DALTON WADE INC (888) 668-8283
Details provided by STELLAR and may not match the public record.
MLS ID: #TB8360318
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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