3973 Spruce Creek Dr, Lakeland, FL 33811
4 beds · 2 baths · 1,929 sqft
One or more photo(s) has been virtually staged. Welcome to this beautifully updated 4-bedroom, 2-bath home in the sought-after Riverstone community! This home combines modern style with a functional triple-split floor plan, offering both privacy and open-concept living. Freshly painted and move-in ready, this home welcomes you with sleek tile flooring, creating a seamless and contemporary look. The spacious great room is perfect for both relaxing and entertaining, flowing effortlessly into a well-appointed kitchen featuring gleaming granite countertops, rich cabinetry, a walk-in pantry for organization, and a breakfast bar with room for barstool seating. Whether you're preparing meals or gathering with friends, this space is designed for both convenience and style. The primary suite is a true retreat, offering plenty of space for a king-size bed and additional furnishings. A private en-suite bath provides a relaxing escape with a roomy layout, while the oversized walk-in closet ensures plenty of storage for all your wardrobe needs. The triple-split floor plan places secondary bedrooms in separate areas of the home, allowing everyone their own space. Step outside to a fully fenced backyard designed for enjoying Florida’s outdoor lifestyle. The extended patio, complete with a charming pergola, creates the perfect spot for hosting gatherings, grilling out, or simply unwinding at the end of the day. Picture evenings spent under the pergola, string lights glowing as you enjoy a cool breeze. Living in Riverstone means access to fantastic community amenities, including two resort-style pools, playground and a dog park, providing something for everyone. The location is just as impressive—situated in Lakeland, you’ll be close to downtown’s vibrant shops, dining, and popular vendor fairs. Plus, with easy access to both Tampa and Orlando, you’re never far from world-class attractions, entertainment, and stunning Gulf Coast beaches. Don’t miss your chance to own this beautifully updated home in a prime location—schedule your showing today! **Seller will offer a $1,500 credit for a carpet allowance with the right offer
Source: STELLAR #TB8344794
Source: STELLAR #TB8344794
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.