33 HARBOR WOODS CIR, Safety Harbor, FL 34695
*Sellers are Offering a 2.75% Assumable Mortgage (Inquire for Details)!!!* Tucked beside upper Tampa Bay and easily reached from Tampa, St. Petersburg, and nearby cities, Safety Harbor offers visitors a unique small-town setting that is home to a wide variety of recreational activities, special events, and is one of the premier cities in Pinellas County. Within Safety Harbor you will find Harbor Woods Village (quick access to Downtown Safety Harbor, Phillipe Park, and prestigious Bayshore Dr) and 33 Harbor Woods Cir. Built in 1978 with a split floor-plan, this 3 Bedroom – 2 Bathroom, 1696SqFt residence is certain to impress. Highlighted Features include: Granite Countertops in Kitchen/Baths, Luxury Vinyl Flooring, Water Filtration System, 40x14 Florida Room, Newer Windows, Newer Appliances and Fixtures, and ample storage throughout. Upon entry, your foyer leads you in the direction of the formal living room or open family room letting in plenty of natural light and space for any size family. Choosing to head into the family room an open kitchen awaits with Stainless Steel Appliances, custom shelving, an array of cabinetry, and sliders accessing your amazing, oversized Florida Room. The formal living (L Shaped) and dining space create an ambiance that offers both functionality and customization best suitable for your lifestyle and family. The primary bedroom is 16x15 offers his/her closets and an on-suite bath with a Walk-In Shower, Dual Vanities, and tiled flooring and shower. Large Bedrooms 2 and 3 sit across the home with laminate flooring and are divided by a full bath with dual vanities and a Tub/Shower Combo, A 2-Car Garage and Florida Room offering Vinyl Flooring, Ceiling Fans, and ample windows complete the interior of this Single-Family Residence. A completely fenced-in rear yard with mature landscaping and an open wood deck provide an opportunity to enjoy Florida’s desired year-round weather for BBQs, Entertaining, or just self-relaxation.
You may be able to put down less than the total down payment amount of $199,200 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: #tb8302016
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.