3831 Evergreen Oaks Dr, Lutz, FL 33558
5 beds · 4 baths · 3,340 sqft sqft
Welcome to your dream home located in one of the best school districts in Hillsborough County. This exquisite property is located in the gated community of Woodside, which consists of one cul-de-sac street and only 37 other homes. Woodside is part of the Stonebrier subdivision and has access to the community resort-style pool, gym, playground, and sports courts/fields. The home itself has no front neighbors with a serene pond/conservation view, no rear neighbors with a golf course frontage, and it sits on a huge oversized lot. There are five bedrooms (one islocated downstairs and would also make a perfect office or den with a view), and one of the secondary bedrooms has its own bath. You enter the home through the formal living room and are greeted by high ceilings and a beautiful banister staircase. A half bath and laundry occupy the hallway that leads to the rear of the home and opens up to a huge family room and spacious kitchen that boasts a large dining nook that overlooks the pool area. The sleek kitchen has expansive cabinet and counter space, with an elegant backsplash, classy black granite, a large pantry, and upgraded appliances and fixtures. Just off the family room you will find a downstairs bedroom or office/game room/playroom. There are multiple sliders leading to the outdoor space, creating an ideal setting for hosting. Upstairs there is a spacious loft, 3 secondary bedrooms, 3 baths, a hallway study nook/office space, and a huge master suite. The master bedroom has stunning views of the pool, yard, and golf course, and it boasts a recently remodeled master bath. The his and her shower is simply stunning, with separate built-in stools and multiple shower heads. There are also his and her sinks and a custom-designed closet. The custom closets are also in all the secondary bedrooms. Back downstairs, The oversized garage has tons of extra space for a golf cart/hobbies/gym or a workshop. The garage is air-conditioned with an insulated garage door, beautiful epoxy floors, and many storage racks on the ceiling and walls. The home boasts a beautiful screened lanai with plenty of room to entertain around the pool. The brick-paved driveway carries around both sides of the home, and at night, the pathways, trees, and pool area come to life with elegant outdoor lighting, and both the pool and lanai cage have been enhanced with LED lighting. This home is a rare find, offering luxury, privacy, and access to top-rated educational opportunities. Don't miss your chance to own this exceptional property in this coveted location!
Source: STELLAR #t3526707
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3526707
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: #t3526707
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