3281 Beaver Dr, Clearwater, FL 33761
3 beds · 2 baths · 1,697 sqft
One or more photo(s) has been virtually staged. Welcome to this charming 3-bedroom, 2-bathroom home situated on a peaceful cul-de-sac street. Featuring a split bedroom plan, this residence offers privacy and comfort for every family member. MOTIVATED SELLER!! The home sits on an oversized, pie-shaped lot, providing ample outdoor space perfect for entertaining or relaxation. The property boasts several recent upgrades for your peace of mind. Impact-grade windows, installed in 2009, ensure safety and energy efficiency. The electrical panel was upgraded in 2013 AND all outlets and GFCI upgraded in 2024. Exterior received a fresh coat of paint in 2016. The flat roof was replaced in 2020, and newer installed leaf filters on gutters. Inside, you’ll find a spacious and convenient indoor laundry room. The garage features newly epoxy-coated floors, making it an ideal space for parking and storage. The fenced-in backyard offers a secure area for entertaining and to play. TOP RATED SCHOOLS! Located in the HEART OF COUNTRYSIDE, only minutes to Pinellas Trail and close to restaurants, shopping, golf course and beautiful Honeymoon Island and Clearwater beaches! LOW INTEREST VA ASSUMABLE LOAN AVAILABLE TO BUYER! Don’t miss the opportunity to make this delightful property your new home!
Source: STELLAR #u8245590
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8245590
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: #u8245590
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.