3452 Umber Rd, Holiday, FL 34691
3 beds · 2 baths · 1,368 sqft sqft
Every detail has been thoughtfully renovated to create a space you’ll love to call home! This 3-bedroom, 2-bathroom home with a 2-car garage strikes the perfect balance of style and timeless charm. Featuring a newer roof (2022), water heater (2022), HVAC (2023), waterproof vinyl and ceramic tile floors (NO CARPET), plus the added perks of NO HOA and NO FLOOD INSURANCE, this property offers incredible value. Step inside to discover an open floor plan with contemporary design elements and a modern aesthetic. The dining and living areas are elevated by a feature wall with built-in shelving and a COZY FIREPLACE. The kitchen shines with STAINLESS appliances, shaker cabinets, a spacious island, and designer lighting. Extend your living space outdoors on the screened-in patio overlooking the FENCED BACKYARD—perfect for morning coffee, weekend barbecues, or even adding a pool. There's plenty of room for pets to play or outdoor activities. The primary en-suite includes a walk-in closet and private patio access, while two additional bedrooms and a flexible bonus space complete the layout. Situated in a central location, this home is just minutes from the Tarpon Springs Sponge Docks, Fred Howard Park, and Anclote Key State Park. Explore the lively downtown areas of New Port Richey and Port Richey, known for their music, entertainment, and dining. With convenient access to the Gulf of Mexico and Clearwater Beach, this home is ideal for anyone seeking to embrace Florida’s coastal lifestyle. Schedule your tour today!
Source: STELLAR #w7870026
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #w7870026
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: #w7870026
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.