33 Harbor Woods Cir, Safety Harbor, FL 34695
3 beds · 2 baths · 1,696 sqft
Welcome to 33 Harbor Woods Circle in Highly Desirable Safety Harbor. Built in 1978 in a Non-Flood-Zone and updated to perfection. 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 a Florida Room with 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. 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).
Source: STELLAR #tb8302016
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8302016
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: #tb8302016
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.