3603 Surfside Ter, Port Orange, FL 32127
4 beds · 2 baths · 1,901 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Live the ultimate beachside lifestyle in this beautifully updated two-story home, just one block from the river and ocean, south of Dunlawton Bridge in Port Orange. This spacious four-bedroom, two-bath home offers the ideal combination of comfort, style and location. The entire upper story is dedicated to a luxurious primary bedroom suite, complete with an en-suite bath, offering a private retreat with serene river views from the second-story balcony. Enjoy relaxing in swinging chairs while soaking in the peaceful atmosphere. The home has been thoughtfully upgraded with modern finishes and functional enhancements, including a remodeled kitchen with custom wood cabinetry and quartz countertops, new baths, and stunning new floors in 2020. Hurricane-rated double-hung windows were installed in September 2020, and the home is equipped with a new water heater in August 2024, new electric box with generator hookup in June 2024 and a new sprinkler system in April 2021. Recent upgrades also include a new roof in April 2023, new soffits, fascia and gutters in June 2023, ensuring long-lasting durability and peace of mind. The interior features custom woodwork throughout the home, including a beautifully designed custom fireplace and a built-in TV in the living room. The backyard is ideal for entertaining with an above-ground pool, and a new shed in 2023 provides additional storage space. A one-car garage offers convenient parking. This move-in ready home is the ideal spot to enjoy Florida's beachside living, with the river, ocean and local amenities just a short distance away. Don't miss this rare opportunity to own a home with river views, a great location and a variety of upgrades. Key features include four bedrooms and two baths. Entire upper story is dedicated to the primary bedroom suite with an en-suite bath. River views from the second-story balcony with swinging chairs. Custom wood cabinetry in the kitchen with quartz countertops. Custom woodwork throughout, including a custom fireplace and built-in TV in the living room. Sparkling above-ground pool. New roof in April 2023 and new electric box with generator hookup in June 2024. New water heater in August 2024. Fresh kitchen and bath remodel in 2020. New shed in 2023 and one-car garage. New sprinkler system in 2021. Just one block to the river and ocean. Schedule your showing today and experience the best of beachside living! No Airbnb weekly rentals allowed. Min 30 days rentals per Volusia County guidelines.
Source: STELLAR #V4939997
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 #V4939997
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.