4012 Willow Walk Dr, Palmetto, FL 34221
4 beds · 2 baths · 1,846 sqft
**$15,000 Total PRICE REDUCTION** Welcome Home to this beautifully designed 4-bedroom, 2-bath residence, ideally situated on a PREMIUM CORNER LOT in the desirable Willow Walk community. The spacious split floorplan offers privacy and functionality, with the first two bedrooms at the front, the third bedroom in the center, and the primary suite nestled in the back for ultimate seclusion. Upon entering, you are greeted by a long hallway in the foyer that leads to the open-concept living area. NEW TILE FLOORING (installed in 2021) flows seamlessly from the foyer, through the dining room, kitchen, family room and primary suite, complemented by UPGRADED BASEBOARDS throughout. Three bedrooms feature NEW CARPET INSTALLED IN 2024. The heart of the home is the kitchen, perfect for entertaining with a large island that comfortably seats four or more, and it opens to the dining and living rooms. The kitchen is equipped with upgraded stainless steel appliances, including a NEW RANGE AND DISWASHER(2022), and a NEW LARGE STAINLESS STEEL SINK (2023). A convenient corner walk-in pantry provides ample storage. Enjoy scenic views of the lanai and large fenced yard from the kitchen, dining, and living areas. The expansive, beautifully tiled, owner’s suite is a serene retreat, large enough to accommodate a king-sized bed and boasting an en suite bathroom with dual sinks, a walk-in closet, and a separate linen closet. The suite is filled with natural light, offering tranquil views of the spacious backyard. The fenced yard ensures privacy and is perfect for pets, with plenty of space to install a pool in the future. Newly installed double gates as well as a single gate ensure ease of access to the yard. The EXTERIOR of the home was FRESHLY PAINTED IN 2024, along with the INTERIOR, giving the home a modern, refreshed look. Major updates include a BRAND NEW ROOF and INTERIOR AC WITH UV LIGHTS, both INSTALLED IN 2024, providing peace of mind for years to come. Enjoy the benefits of a SUPER LOW HOA fee of just $100 a year. As a resident of Willow Walk, you'll have access to the community's resort-style pool, playground and walking trails. Conveniently located to local restaurants, shopping, and the Ellenton Ice and Sports Complex. Plus, with easy access to nearby beaches, waterfronts, and marinas, you can embrace the best of Florida living!
Source: STELLAR #a4623270
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #a4623270
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: #a4623270
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.