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3807 Country Acres Trl, Plant City, FL 33565

4 beds · 3 baths · 2,429 sqft

WELCOME HOME to 1.25 ACRES at Southern Roots Manor! From the very moment you turn onto Country Acres Trail, you can almost feel the peaceful lifestyle this one-of-a-kind country retreat has to offer. Tucked inside a fully fenced perimeter, this FOUR bedroom, TWO AND A HALF bath home offers 2,429 square feet of spacious living. The front porch spans the length of the home and will undoubtedly be where you start your mornings with chats over coffee and end your days with the sunsets you have been longing to see from your own rocking chair. Stepping through the front door, you are met with ample natural light, cathedral ceilings, and an open concept layout making for easy relaxing and entertaining. The thoughtful floorplan provides a spacious dining room adjacent to the kitchen making for a natural flow into what will be the central gathering space of the home. The large walk-in pantry and interior laundry room offer added storage and convenient organization. The primary bedroom is located on the main floor as with the primary en-suite situated with garden tub for soaking, separate walk-in shower, dual vanities and TWO PRIMARY WALK-IN CLOSETS. The second story boasts a HUGE LOFT / BONUS ROOM large enough for a media / game space, student study center, secondary living room or an office. Additional spacious bedrooms are also located upstairs and separated by another full bathroom with dual sinks and a shower / tub combo. Adding even more functional living, the second-story OFFICE can easily be converted to an optional FIFTH BEDROOM as needed. The outdoor living and fun adventure possibilities are endless here! Cool off in the POOL and enjoy year-round BBQs from your oversized deck overlooking the massive backyard and pole barn. NO HOA AND NO CDD! Bring your boat and all the toys! Curate the garden of your dreams or raise the animals you have been waiting to love! Full of EXTRAS AND UPGRADES including NEW ROOF (2023), cathedral ceilings, crown molding, keyless entry and more! Enjoy a tranquil, quieter way of life or venture out to one of the many places which make Plant City an amazing place to live! Known as the “Winter strawberry capital of the world,” Plant City offers endless opportunities for all lifestyles. Home to the Florida Strawberry Festival, countless preserves, parks and playgrounds, there is something for everyone. Near EXCELLENT SCHOOLS or take advantage of one of the many charter, school choice or private education options. Close to shopping and dining, VA hospitals, medical clinics, Lakeland, and downtown Tampa. Commuting is reasonable as there is easy access to major highways and expressways. Live a true Florida lifestyle close to world-renowned GULF BEACHES, world champion sports leagues and magical theme parks! Appropriately priced, this home is ready now! Take a look, fall in love, pack your boots, and WELCOME HOME!

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Use two fingers to move the map
Details
Home
Size
2,429 sqft
Lot size
1.25 acres
Year built
2012
Type
Single Family Residence

Source: STELLAR #u8246080

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?

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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?

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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?

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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?

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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?

expand content

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.

View all FAQs
Last updated: Sep 11, 2024 08:34 am
Listing agent: Lindsay Hernandez (813) 453-6209
Listing provided courtesy of: PROPERTY HOLDINGS REALTY GROUP (941) 704-8059
Details provided by STELLAR and may not match the public record.
MLS ID: #u8246080
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.