3312 Cobbs Ct, Palm Harbor, FL 34684
4 beds · 3 baths · 3,286 sqft sqft
Nestled within the tranquil embrace of nature, this stunning 4-bedroom, 3-bathroom sanctuary offers an exquisite blend of modern comfort and natural beauty. Located on a premium home site in the sought after Estates at Cobbs Landing… nearly 3,300 sq.ft. of luxury awaits. As you approach, a newer tile roof hints at the meticulous care and pride of ownership shown throughout this updated beauty. Step inside and be greeted by spacious elegance. The expansive living areas boast an abundance of natural light, creating a warm and inviting atmosphere. The well-appointed kitchen, equipped with ample counter space, beckons both amateur chefs and culinary connoisseurs. Stunning cabinetry, granite counters and stainless appliances, tons of prep space, a working island and breakfast bar, desk area as well as a butler’s area complete with wine fridge and beer tap and accented by beautiful glass front cabinetry and an enormous eat-in area. The family living space looks out on the tranquil pool and patio and is centered by a lovely tile faced fireplace. The primary suite is a true retreat. The ensuite bathroom is set for royalty and brings the wow factor… luxurious tilework, furniture style cabinetry, double sinks, soaking tub, majestic walk-in shower, indulgent sauna and water closet powder room with its own sink! Three additional bedrooms offer versatility and comfort for family and guests alike. The three-way split floorplan presents the fourth bedroom location as an ideal mother-in-law/nanny quarters with full bath access. Secondary bedrooms are sizable and have abundant closet space. Secondary bathrooms are updated with the same eye and elevated style as the rest of the home. Outside, a slice of paradise awaits. A sparkling saltwater pool and spa glistens and invites you to take a refreshing dip or simply bask in the Florida sunshine. Surrounded by lush landscaping and bordered by a serene preserve, the outdoor space offers privacy and tranquility, perfect for entertaining or simply unwinding after a long day. A spacious 3-car garage provides ample room for storage and projects. Convenient family-sized laundry room extends the beautiful cabinetry found throughout. So many features, so many upgrades… NEW TILE ROOF 2021! Estates at Cobbs Landing is located near to restaurants, shopping, entertainment in charming downtown Palm Harbor and zoned for some of Pinellas County’s highest rated schools including Palm Harbor University High School. This home offers a perfect blend of exceptional location, luxury, comfort, and natural beauty, this exquisite residence is more than just a home—it's a retreat, a haven, and a place to create cherished memories for years to come.
Source: STELLAR #u8243142
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #u8243142
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.
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: #u8243142
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.