3140 AGOSTINO TER, Kissimmee, FL 34746
Welcome to the magnificent and impeccably maintained home nestled in the stunning resort-style community of Bellalago! This exquisite 4-bedroom, 4-bath residence, complete with an upstairs bonus room, boasts luxurious features such as crown molding, 5-inch baseboards, 8-foot doors, 12-foot ceilings, and elegant bullnose cornering throughout. As you arrive, you'll be captivated by the charming paver driveway, Spanish-style roof, manicured landscaping adorned with palm trees, covered rear porch, and a screened lanai. Step inside to discover an elegant foyer with tray ceilings, tile floors, and recessed lighting. To the right, two guest bedrooms share a full bath featuring a granite single sink vanity and a tiled tub/shower combo. On the left, through double doors, you'll find a perfect office space for remote work or hobbies. The heart of this home is the spacious and cozy living room, seamlessly connected to an open-concept kitchen. This airy space is ideal for entertaining, featuring an eat-in kitchen with additional bar top seating. The gourmet kitchen showcases 42-inch soft-close cabinets with crown molding, granite countertops, walk-in pantry storage, stainless steel appliances, double ovens, an electric cooktop, and elegant crystal pendant lighting. The living room opens to a covered paver patio, perfect for summer grilling. Retreat to the primary suite for rest and relaxation, where the primary bath offers dual vanities, extra counter space, a separate water closet, a glass door shower, and a walk-in closet. The versatile upstairs bonus room, with its ensuite bathroom and walk-in closet, offers additional storage and can easily serve as a fifth bedroom or a fantastic movie room, perfect for entertaining or watching the big game. This home also includes a large 20' x 20' garage with high ceilings, attic access with stairs, and a water softener. The laundry room is equally impressive with wood cabinets, a granite countertop, and a convenient laundry sink. The outdoor patio, pre-plumbed and awaiting your creative touch, is perfect for an outdoor kitchen. This home boasts upgrades not found in new construction, and you can move in without delay. Bellalago offers a wealth of resort-style amenities, including Club Vialago with 2 fitness centers, 2 swimming pools, a hot tub and splash pad, a fishing pier, public boat ramp, restaurant/bar, workout classes, community events, parks, playgrounds, a dog park, scenic bike routes, and walking trails. Conveniently located near shopping, dining, Publix, Walgreens, Walmart, Bellalago Academy, and Valencia College, this home is perfect for boat or nature enthusiasts, or anyone seeking their own piece of paradise close to beaches, Disney, and Universal Theme Parks. Experience all Florida has to offer—this home will not disappoint!
You may be able to put down less than the total down payment amount of $218,062 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #g5084114