411 Lazio Cir, Debary, FL 32713
5 beds · 4 baths · 2,830 sqft
Welcome to this beautiful 2 story block home, that features 5 bedrooms and 3.5 bathrooms, where comfort and convenience come together effortlessly! The open floor plan creates a warm, welcoming atmosphere, perfect for entertaining family and friends, with the kitchen, dining, and living areas flowing seamlessly. Step through the sliding glass doors to the expansive back patio, where you can relax in the cool breeze under the gazebo, grill up your favorite meals, enjoy s’mores, or unwind by the cozy fire pit. The bright and airy kitchen is a chef’s dream, featuring natural gas, pristine white cabinetry, stainless steel appliances, sleek granite countertops, bar seating, and recessed lighting. The ample primary suite offers a spacious walk-in closet and a sparkling clean bathroom with dual sinks and a walk-in shower. This thoughtfully designed home also features a convenient powder bathroom and a versatile flex room on the first floor, currently used as an office. Upstairs, you’ll find a large loft area, a second ensuite, and three additional bedrooms—providing plenty of space for family, guests, or a growing household. Perfectly crafted for modern living and entertaining, this home offers an ideal blend of well-appointed interiors and fantastic outdoor spaces. Ready for you to move in and enjoy! Perfectly crafted for modern living and entertaining, this home offers a seamless blend of well-appointed interiors and fantastic outdoor spaces, ready for you to move in and enjoy! Nestled in the vibrant city of DeBary, this home offers easy access to hiking trails, natural springs, and breathtaking nature, with easy access to I-4, SR 417 and SR 429. Plus, enjoy the wonderful Riviera Bella community amenities, including a sparkling pool, fitness room, clubhouse, playground, splash pad, and private access to the serene St. Johns river.
Source: STELLAR #O6283594
Financials
Source: STELLAR #O6283594
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.