406 Winterside Dr, Apollo Beach, FL 33572
3 beds · 2 baths · 1,766 sqft
****** MOTIVATED SELLER ******* Check out this adorable keywest style single-story bungalow in the Bay Breeze Community of MiraBay, Apollo Beach, Florida. With many homes affected by the devastation of Hurricane Helene, unlike many neighborhoods that faced flooding, the Mirabay Community is built at elevated heights, and all homes have remained high and dry. With its strategic design and flood-resilient location, Mirabay continues to provide peace of mind and protection, making it a standout choice for homeowners. This Westbay built 1,766 square foot home has 3 bedrooms and 2 bathrooms. The kitchen's got everything you need - granite counters, a gas stove, a big hood, lots of beautiful wood cabinets, a big island with more storage, and stainless steel appliances, including a new microwave. There's also a handy extra large walk-in pantry. The house has Montauk engineered hardwood floors, and we're throwing in extra flooring if you need it. There's a water softener system and a UV light air duct system to keep things comfy. The family room is all set up for surround sound, and there are top-notch ceiling fans in the main areas. We've just put in new, comfy carpet in the bedrooms and a fresh backsplash in the kitchen. There's also a new water heater. Outside, there's a path made of pavers from the driveway to the back patio and a separate 2-car garage with openers. The windows have custom plantation shutters, and the house is set up with smart home tech. The HOA fee covers your water bill (inside and out) and lawn care including fertilizing and weed control. They're even planning to upgrade the landscaping soon. The house has hurricane shutters for extra safety. Living here means you get to use all the cool stuff in Mira Bay, like walking trails, a spa, 2 pools, one with a big slide, a clubhouse, a gym, café, lounge, tennis and pickleball courts, basketball courts, playgrounds, and even kayaks and canoes. The location is great, close to MacDill, I-75, beaches, and Tampa Bay. It's a peaceful spot in a gated community, but still near everything you need. Come see it for yourself! We do private showings and virtual tours. Just remember, MiraBay is gated, so you'll need to show ID to get in.
Source: STELLAR #t3492491
Interest rate and monthly payment estimated based on public records.
Source: STELLAR #t3492491
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: #t3492491
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.