3961 15th Ave N, Saint Petersburg, FL 33713
2 beds · 2 baths · 1,450 sqft
Get a free consultation call with an expert in the mortgage assumption process.
If you’re looking for an adorable pool home with a large, fully fenced, low maintenance yard with multiple patios perfect for gardening, entertaining, and other outdoor hobbies – You have found it! This 1,450 sq ft home in the heart of St. Petersburg offers the perfect blend of comfort, functionality, and open spaces. As you pull up to the house into the horseshoe driveway, take in the ample on and off-street parking on this corner lot. The front porch offers a peaceful and shaded space to enjoy your morning coffee in style. Step inside to discover gleaming new laminate flooring (installed March 2025) in the living room and bedrooms. The thoughtful floor plan features an open living room, eat in kitchen with dry bar, and back family room/sunroom that provides lots of flex space for a home office, craft space, or whatever suits your lifestyle. Down the hall, sit two generously sized bedrooms, including a primary suite with an ensuite bathroom and access to the back patio through glass sliding doors. The primary bedroom serves as a peaceful retreat. Both bedrooms offer large closets, perfect for storage. The attached one car garage houses the washer/dryer as well as a small workshop area. Outside, this property truly shines. Take a refreshing dip in the sparkling in-ground pool, or entertain guests on your choice of covered or uncovered patios. Two versatile sheds plus a workshop offer abundant storage and space for hobbies, while the fully fenced yard ensures complete privacy. RV and boat owners will appreciate the corner lot, large gates, and convenient alley access, making storage of oversized vehicles a breeze. The attached one-car garage provides additional secure parking, storage space, and laundry. Smart upgrades make this home as efficient as it is comfortable. Fully paid-off solar panels significantly reduce energy costs, while an irrigation system keeps the landscaping lush with minimal effort. This move-in ready home combines the best of Florida living with practical amenities that make everyday life easier. Non-flood zone and no flooding in recent storms.
Source: STELLAR #TB8370585
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 #TB8370585
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 and Equal Opportunity Act.