3589 YELLOW BIRD CT, Saint Cloud, FL 34772
$5,000 TOWARD BUYER’S CLOSING COSTS WITH FULL PRICE OFFERING! WHAT YOU HAVE BEEN WAITING FOR! This immaculate open-concept 3 bedroom, 2 bathroom home is located in the safe, desirable, and peaceful Canoe Creek Lakes community in the lovely city of St. Cloud, Florida. Upon arriving at your future home, you will automatically notice two large trees in front of the residence that provide a great amount of shade and cooling to the property for you to enjoy during these hot days in Florida. If you desire to also keep your cars cool, this home provides a great sized 2 car garage to park in. If not you can also turn it into your next game room, movie room, or even into a glorious gym, all to your choosing. In 2020, the exterior of the home was repainted. Once you enter the home, you will be greeted by an open floor plan, with updated porcelain tile flooring throughout the home (2020), updated baseboards throughout (2020), and with high vaulted ceilings. To your left, you will come across the family den that can also be turned into an office. To your right, you will find a spacious dining room with a garden style accent wall. Upon entering the kitchen, you will notice the updated appliances (2020), renovated kitchen cabinets, and quartz countertops (2020). In 2020, a new water heater was installed and the roof was fully replaced. Once you get to the living room, you will notice the great open space for entertainment. You will also notice the large sliding doors that will take you out to the phenomenal oversized screened lanai. The screens in the lanai were replaced in 2024. Not only does it have a large lanai but you still have a great-sized grassed backyard that you can enjoy with your loved ones for great BBQs and birthday parties. Washer and dryer do convey. LOW HOA, NO CDD, approximately half a mile from the Florida Turnpike for commuting, minutes from shopping centers, approximately 25 minutes from Lake NONA, 45 minutes to DISNEY Parks, and other great attractions Central Florida provides. St. Cloud also offers multiple lakes within the city for those who enjoy boating and fishing. All your wants and needs are right here for you to fall in love with
You may be able to put down less than the total down payment amount of $187,130 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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: #o6234065
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.