34 Hickory Ln, Safety Harbor, FL 34695
3 beds · 2 baths · 2,143 sqft
Get a free consultation call with an expert in the mortgage assumption process.
$10,000 buyer closing credit with an acceptable offer! Perfectly Positioned & Impeccably Maintained – Your Dream Home Awaits! Nestled in the highly sought-after Bay Woods community, this stunning residence offers the perfect blend of natural beauty, serene surroundings, and modern comfort. Ideally located just under a mile from the tranquil, waterfront trails of Philippe Park and a quick 2-mile trip to the vibrant heart of Downtown Safety Harbor, you'll enjoy the best of both relaxation and lively charm. Set on high ground and safely outside of any flood zone, Bay Woods is a peaceful, tree-lined neighborhood adorned with majestic oaks and fragrant magnolias. This lovingly cared-for home boasts over 2,100 square feet of versatile living space, featuring 3 spacious bedrooms, 2 full baths, and 2 flexible bonus rooms—perfect for a home office, den, playroom, or guest suite. Step inside to a bright, open Living and Dining Room, ideal for gatherings and entertaining. The Family Room is anchored by an elegant stone fireplace, creating a cozy centerpiece for everyday living. The beautifully updated Kitchen features gleaming granite countertops, stainless steel appliances, a double oven, a breakfast bar, and eye-catching decorative tile backsplash—ready for your next culinary adventure. The expansive Primary Suite offers a private retreat with a walk-in closet and a bonus flex space—ideal for a quiet home office or reading nook. The luxurious en-suite bath includes ceramic tile, a spa-like jetted tub, and a separate step-in shower. Two additional generously sized bedrooms share an updated bath with a tub/shower combo. Step outside through charming French doors to your private, pavered patio—an ideal space for al fresco dining, grilling, or simply enjoying Florida’s beautiful weather. Additional highlights include a NEW Roof (2020) and a Brand-New Hot Water Heater (2025) for peace of mind. Experience all that Safety Harbor has to offer: top-rated schools, scenic parks, a charming downtown with boutique shopping, local restaurants, weekend markets, community events, a boat ramp, and fishing pier—all just minutes away. You’re also conveniently located near Countryside Mall, the Gulf beaches, and only 30 minutes from Tampa International or St. Pete Airport. Don’t miss your chance to make this gorgeous home your own!
Source: STELLAR #TB8375876
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8375876
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.