34244 Radley Way, Wesley Chapel, FL 33545
4 beds · 3 baths · 2,320 sqft
Welcome to this stunning, move-in-ready home located in the coveted Watergrass community, built in 2022. Designed with both style and functionality in mind, this spacious four-bedroom, three-bathroom home also features a versatile bonus room, offering endless possibilities to suit your needs. With an open and flowing floor plan, this residence is ideal for family living and entertaining. The combination of modern finishes, energy-efficient features, and thoughtful design creates a truly comfortable living space you won’t want to miss. The home features Spray Foam insulation for noise reduction and meets or exceeds the EPA’s Indoor airPLUS standards. High-performance MERV 13 filters help reduce allergens, bacteria, and some viral particles, promoting healthy indoor air. Additional energy-efficient elements include Low-E windows, sealed air-conditioned ducts, and an air-conditioned attic for added comfort. Inside, you'll find elegant wood-look luxury vinyl plank flooring throughout the main living areas, while plush carpeting adds comfort to the bedrooms. This home is fully equipped with state-of-the-art, hardwired internet throughout, ensuring fast and reliable connectivity in every room. Whether you're working from home, streaming, or gaming, you'll enjoy seamless performance with no Wi-Fi interruptions. Perfect for today's digital lifestyle! The kitchen is a true highlight, featuring granite countertops, complemented by a stylish backsplash. It also boasts shaker-style cabinets, stainless steel appliances, and a generous 9-foot island with seating for four, making it perfect for both meal prep and casual dining. The spacious great room offers a welcoming atmosphere for relaxation or entertaining, filled with abundant natural light. At the rear of the home, the private primary suite offers a tranquil retreat, complete with a large walk-in closet and a spa-inspired en-suite bathroom. Step outside to the screened-in lanai, an ideal spot for unwinding or hosting guests. The oversized lot offers plenty of room for future enhancements, all while ensuring privacy and a peaceful setting. Form meets function with the Garage Hobbyist package adding additional outlets to your garage, including an additional 20amp dedicated outlet, which makes room to enjoy work, hobbies and all of your favorite toys. The garage is also plumbed for a water softener treatment. The Watergrass community offers access to parks, playgrounds, and community pools, while being conveniently located just 2.8 miles from Publix, restaurants, and Home Depot. Watergrass Elementary School and a Fire Department are within the community, making it a truly family-friendly neighborhood. Shopping, dining, and the outlet mall are just minutes away, and downtown Tampa and Tampa International Airport are only 45 minutes away. Plus, a new Chick-fil-A is coming soon, adding even more convenience to your dining options. This exceptional home is ready for you to move in and start making memories today! Land, Site, and Tax Information
Source: STELLAR #TB8361321
Financials
Source: Public records
Source: STELLAR #TB8361321
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.