3603 W Bay To Bay Blvd, Tampa, FL 33629
3 beds · 1 baths · 1,398 sqft sqft
***Seller willing to provide up to $5,000.00 for Closing Costs and Mortgage Rate Buydown with appropriate offer accepted*** Step into a world of timeless elegance with this exquisite Mediterranean-style single-family residence nestled in the coveted Plant High School district. Perfectly situated to blend convenience with luxury, this 3-bedroom, 1-bathroom home offers an unparalleled opportunity to embrace the coveted Palma Ceia lifestyle. As you enter, be captivated by the charm and character that radiates from every corner. The interior boasts a seamless fusion of old-world craftsmanship and modern amenities, featuring stunning hardwood floors, arched doorways, and tasteful updates throughout. The cozy living area invites you to unwind by the functional fireplace, while the adjacent dining room is ideal for hosting intimate gatherings. The heart of the home lies in its beautifully appointed kitchen, where granite countertops, custom cabinetry, and stainless steel appliances create a chef's paradise. Whether preparing a casual meal or a gourmet feast, this space is as functional as it is stylish. Outside, discover your own private oasis. The expansive backyard, meticulously landscaped, offers a serene retreat for relaxation and entertainment. Imagine hosting summer barbecues or evening soirees under the stars, with ample space for outdoor dining and recreation. For those who value location, this home delivers. Situated mere moments from the finest dining, shopping, and entertainment that Tampa has to offer, every convenience is within reach. From trendy boutiques to renowned restaurants, explore the vibrant neighborhood and indulge in the ultimate urban lifestyle. Recent upgrades include a brand new roof currently installed July 2024, ensuring years of worry-free living, and a new air conditioning unit replaced in 2023 for enhanced comfort and efficiency. House has NOT flooded in 100 years! Don't forget to inquire about available grants and down payment assistance programs for this property, making it even more accessible to make this Mediterranean masterpiece your own. Whether you're seeking a charming family home or an investment in the future of South Tampa living, this residence promises a lifestyle of comfort, sophistication, and unmatched elegance. Schedule your private tour today and discover the allure where luxury meets location in perfect harmony.
Source: STELLAR #t3537735
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3537735
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: #t3537735
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.