3950 106th Ave N, Clearwater, FL 33762
3 beds · 2 baths · 1,304 sqft sqft
Location, Location, Location! Discover Ciega Village in The Lakes! NOT IN A FLOOD ZONE and features UNDERGROUND ELECTRIC for reliable power. This well maintained 3-bedroom 2-bath 2-car garage home features a New 2024 Hot Water Heater, New 2022 roof, Updated windows, corrugated hurricane panels. The large kitchen boasts sleek stainless-steel appliances, ample cabinet and counter space, breakfast bar, Island, pantry, and ceramic tile flooring. You will love the open split floor plan with soaring cathedral ceilings making this home feel spacious and a bonus room that would be perfect for a formal dining room, home office or gym. The private master suite features a large walk-in closet and private en-suite bathroom. Step outside and enjoy your morning coffee on your screened patio or stroll to the community pool close by. Ciega Village is a highly desirable deed restricted community with low HOA fees of only $171 per month which includes yard service, reclaimed water for sprinkler system, expanded cable, High speed internet, State of the Art heated and cooled pool, shuffleboard courts and clubhouse. The Lakes is home to the Roosevelt Wetlands where over 100 species of birds and other wildlife can be spotted. Located near Mainlands Golf Course, Bill Jackson’s Shop for Adventure, Aldi’s, Freedom Lake Park that offers: Dog Park with large, fenced exercise space separated for large and small dogs, hydrants, watering holes, and plenty of shade for your pets, covered outside fitness stations, fishing, grilling, picnic tables, pavilions, brand new playground, walking track and the Korean War Memorial. Easy Access to Gulf Beaches, Sam’s Club, Coffee Shops, Fitness Centers, shopping, dining, Helen Howarth Park, Equestrian Trail, Dog Park, and Forbes recreation area, I-275, St. Pete/Clearwater and Tampa International Airports. Come see all of the features this beautiful home and active community have to offer; it won't last long! Ciega Village has NO age restrictions! Hurry this home won't last long!
Source: STELLAR #tb8312107
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #tb8312107
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.
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: #tb8312107