3831 EVERGREEN OAKS DR, Lutz, FL 33558
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!
You may be able to put down less than the total down payment amount of $353,438 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: #t3526707