404 Darcy Bluff Pl, Valrico, FL 33594
4 beds · 3 baths · 2,328 sqft
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.
Source: STELLAR #T3543750
Financials
Source: Public records
Source: STELLAR #T3543750
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.
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.
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