3277 Ponytail Ct, Spring Hill, FL 34609
4 beds · 3 baths · 2,300 sqft
Skip the Wait—Your Dream Home is Ready Now! This stunning 2019-built home is move-in ready and packed with incredible features. Sitting on just over half an acre in the desirable Plantation Palms community, this 2,300 sq. ft. luxurious pool home offers 4 bedrooms, a den/office that could serve as a 5th bedroom, 3 full bathrooms, a 2-car garage, a 10x16 shed, and a fully fenced backyard. The state-of-the-art saltwater pool, installed in 2023, is a standout feature with its spa/jacuzzi, sun shelf complete with loungers, waterfall features, and heating for year-round enjoyment. Inside, the home boasts elegant porcelain tile flooring throughout, a surround sound system, ready for you to connect and enjoy your favorite music or movies, and high-end finishes at every turn. The spacious master suite includes tray ceilings, crown molding, upgraded lighting, ceiling fans, and dual walk-in closets. The attached master bathroom is a retreat in itself, featuring a sliding barn door entry, dual vanities, a fully tiled walk-in shower with a shower panel system offering rainfall, mist, and steam functions, and a frameless glass door. The gourmet eat-in kitchen is designed for both style and functionality, featuring quartz countertops, custom soft-close wood cabinets, stainless steel appliances, pendant lighting, and a breakfast bar that flows seamlessly into the expansive living room. The adjacent dining area provides plenty of space for entertaining guests. Guest bedrooms are generously sized, each equipped with ceiling fans and porcelain flooring. One of the guest bathrooms offers convenient lanai access, making it ideal for pool days. The indoor laundry room includes motion-sensor lighting and additional storage, with quick access to the oversized side-entry garage, which offers ample storage space and remote operation from anywhere. Outside, the screened lanai overlooks the beautifully landscaped backyard and pool area, perfect for enjoying Florida’s sunshine. Situated on a corner lot, this home provides privacy, curb appeal, and plenty of space for outdoor living. Why settle for delays and uncertainties when this gorgeous home is ready for you now? Don’t miss your chance—schedule your showing today before it’s too late!
Source: STELLAR #w7871183
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #w7871183
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: #w7871183
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.