398 Quarry Rock Cir, Kissimmee, FL 34758
4 beds · 2 baths · 1,845 sqft
Wake up to the peaceful sounds of nature and enjoy evenings overlooking serene CANAL VIEWS—all while being just a short distance from the best SHOPPING, DINING, and ENTERTAINMENT. Located in the desirable STEPPING STONE COMMUNITY within the thriving POINCIANA VILLAGES, this modern 4-BEDROOM, 2-BATHROOM HOME is brimming with thoughtful upgrades and stylish details. BUILT IN 2020, this home offers PEACE OF MIND with the benefits of NEWER CONSTRUCTION and the added reassurance of a BUILDER’S WARRANTY. The interior features a CHEF’S KITCHEN with CROWN MOLDING, upgraded WHIRLPOOL APPLIANCES, a 7-BURNER RANGE, a THREE-DOOR FRENCH DOOR REFRIGERATOR, and custom LAUNDRY CABINETS for seamless organization. Every room is outfitted with CEILING FANS and upgraded LIGHT FIXTURES, while the designer FRONT GLASS DOOR adds an inviting, modern touch. Smart living is at your fingertips with an ALEXA-ENABLED ALARM SYSTEM, INDOOR AND OUTDOOR CAMERAS, and a SMART THERMOSTAT, providing security and convenience for modern lifestyles. Step into your SCREENED LANAI, a perfect retreat for enjoying morning coffee or hosting evening gatherings—all while staying comfortable and protected from the elements. The BEAUTIFULLY LANDSCAPED FRONT YARD boasts STONE ACCENTS, CONCRETE CURBING, and thoughtfully placed EXTERIOR LIGHTING, which highlights the home’s TIMELESS CURB APPEAL. RAIN GUTTERS add practical functionality, ensuring the home stays protected and well-maintained. Situated in POINCIANA VILLAGES, this home offers access to COMMUNITY PARKS, PLAYGROUNDS, and WALKING TRAILS, all within a FAMILY-FRIENDLY atmosphere. The HOA provides added convenience with INTERNET, TRASH COLLECTION, SPRINKLER WATER, and COMMUNITY MAINTENANCE, making this home as low-maintenance as it is stylish. This home is equipped with LEASED SOLAR PANELS, keeping electricity costs low at just $130/MONTH. A WHOLE-HOUSE WATER SOFTENER ensures superior water quality, while PREPAID TERMITE TREATMENT offers worry-free protection. Location is everything, and this home delivers. Walk to a BRAND-NEW SHOPPING CENTER with popular stores and restaurants. The home is only 3 MINUTES FROM HCA FLORIDA POINCIANA HOSPITAL and offers easy access to CYPRESS PARKWAY, US ROUTE 192, and iconic attractions like DISNEY WORLD and LEGOLAND. Imagine the memories you’ll make in this stunning home, nestled in a community that offers the best of both peace and progress.
Source: STELLAR #s5116582
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #s5116582
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: #s5116582
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.