3850 6th Ave N, Saint Petersburg, FL 33713
4 beds · 2 baths · 1,503 sqft
Welcome to this fantastic 4-bedroom, 2-bathroom home, located in X Flood Zone and built in 2010, offering 1503 sq ft of comfort and convenience. Nestled on a quiet tree lined street, this property features a screened porch entry, perfect for relaxing or unwinding after a long day. The home's split-bedroom layout ensures privacy, with the main bedroom located at the front and the additional three bedrooms situated at the back. The open floor plan is great for everyday living and entertaining. The kitchen is a standout feature, equipped with stainless steel appliances, a convenient bar area and space for a dining table. Throughout the home, you'll find durable ceramic tile flooring and a well-appointed inside utility room complete with a washer and dryer. This home also includes a security system which just requires a monthly service charge. Another added bonus that comes with this home are hurricane panels for each of the windows. The garage, accessible via a remote, is located at the rear of the property. Step outside to discover a delightful backyard oasis. The interior was painted in 2022 and exterior in 2024. A Newer She-shed in rear of home is complete with a portable AC unit, desk, and love seat offers a versatile space for an office, hobby room, or personal retreat. The backyard also boasts a patio, wood fencing, and a remote-controlled gate off the alley which provides additional security and privacy. There's ample room for an RV or boat, and a timed sprinkler system helps maintain the lush landscaping. For qualified Veterans, there is an assumable VA loan with 2.875 interest rate. Conveniently located just 10 minutes from downtown and the Interstate, this home is also close to a bus line. A small, shaded park is just around the corner on 39th St N, offering a pleasant spot for outdoor enjoyment. Just 15 minutes to the beach. Don't miss out on this beautifully maintained home with modern features and a prime location. Schedule a viewing today!
Source: STELLAR #tb8303557
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8303557
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: #tb8303557
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.