3957 Tarpon Pointe Cir, Palm Harbor, FL 34684
3 beds · 2 baths · 1,588 sqft
Welcome to 3957 Tarpon Point Circle, a meticulously maintained 3-bedroom, 2-bathroom home with over 1,500 square feet in the desirable Highlands community of Palm Harbor. This inviting residence features new luxury vinyl plank (LVP) flooring throughout most of the home, enhancing both durability and style. New energy-efficient double-pane windows, protected by a lifetime warranty, ensure plenty of natural light. The home has been freshly painted inside and out, complemented by elegant crown molding for added sophistication. The well-designed kitchen seamlessly connects to the formal dining/family room and the living room. It showcases beautiful granite countertops, solid wood cabinets, and newer GE appliances, making it perfect for entertaining. The updated guest bathroom features modern floors, a stylish vanity, and a renovated shower for guest comfort. Additional features include a water softener, a new HVAC system, a water heater installed in 2017, and a roof with plenty of life left, ensuring a sound investment. Ownership includes membership in the Highland Lakes HOA, offering residents an unmatched active lifestyle. This membership grants access for two to three executive 9-hole golf courses (27 holes in total) with NO GREENS FEES. The main clubhouse serves as a social hub, featuring events, a library, billiards, and a multipurpose auditorium for shows, dancing, and yoga. Enjoy the Olympic-sized geothermal heated pool with a spa and covered pavilion, or get active on the courts. Whether you prefer pickleball, bocce ball, shuffleboard, or tennis, there's something for everyone. Unleash your creativity in the Annex building's workshops for pottery, ceramics, stained glass, and woodworking. The Lake Tarpon Lodge also features another geothermal-heated pool, a kitchen, a patio with grills, horseshoe pits, and picnic tables. Additional amenities include secure RV/boat parking, easy access to the community boat launch, and community pontoon boats for waterfront tours. Beyond the incredible amenities within Highland Lakes, this prime Palm Harbor location is just minutes from historic Downtown Palm Harbor, the charming Tarpon Springs Sponge Docks, and vibrant Downtown Dunedin. Enjoy seamless access to beautiful Gulf beaches, concert and sporting venues, world-class museums, and major airports like Tampa International and St. Pete-Clearwater International. The community fosters connection among residents, creating a welcoming environment that encourages a vibrant lifestyle. Don't miss your chance to acquire this exceptional home in Palm Harbor, combining comfort with an active, fulfilling living experience! Perfect for those seeking a lively and beautiful Florida lifestyle.
Source: STELLAR #TB8373334
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: STELLAR #TB8373334
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.