404 DARCY BLUFF PL, Valrico, FL 33594
Located in the tranquil Valri Park community just outside the bustling areas of Brandon and Valrico, this home offers a serene living environment while remaining conveniently close to all amenities these areas have to offer. Valri Park is a small community comprising just 60 homes, designed to minimize congestion with sidewalks throughout, no CDD fees, and affordable HOA fees. Built in 2020, this one-story KB Home is a 4-bedroom, 3-bathroom floor plan spanning 2,333 square feet. It boasts Energy Star Certification, ensuring efficient energy usage. Positioned on an east-facing lot, the home enjoys a private rear view facing a cul-de-sac and retention basin, providing a spacious open field atmosphere for much of the year. The home features a beautifully landscaped front yard, a paver-bricked driveway, and a paver brick patio in the back. Inside, an impressive foyer leads into a large great room with 9-foot ceilings, creating a welcoming atmosphere. The kitchen is equipped with 36" cabinets, a kitchen island with a breakfast bar, pendant lighting, and a stylish tile backsplash. It also includes a water softening system and vinyl flooring throughout, except in the bathrooms. The owner's retreat offers a walk-in closet, a 36" dual sink vanity, and an extended shower with a frameless glass enclosure, adding luxury and comfort. Modern touches include a smart thermostat, LED lighting, and a 50-gallon hybrid water heater. The home comes complete with two touchscreen wall ovens, a ceramic glass cooktop, an energy star dishwasher, and a garbage disposal in the gourmet kitchen. Additional features include a 2-car garage with an epoxy painted floor, a ceiling-mounted storage rack, and a keypad entry system for added convenience and security. Outside, a Rain Bird sprinkler system with rain detection ensures efficient water use. The location is ideal, with proximity to amenities such as the Brandon YMCA, Davis Park, and Brandon Blvd, all within 3 miles. It's also conveniently located approximately 16 miles from Tampa Riverwalk, Downtown Tampa, and the Amalie Arena, and about 25 miles from MacDill Air Force Base. In summary, this home in Valri Park offers a blend of modern comfort, energy efficiency, and a prime location near both local attractions and major hubs in the Tampa Bay area.
You may be able to put down less than the total down payment amount of $186,097 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #t3543750