4155 Woods Rider Loop, Odessa, FL 33556
5 beds · 4 baths · 3,545 sqft
Under contract-accepting backup offers. LIVE THE MODERN LUXURY LIFESTYLE IN DESIRABLE STARKEY RANCH ~ NO FLOOD ZONE! Introducing a beautifully appointed Homes By Westbay Virginia Park custom built in 2021 spanning 3545 sqft offering 5 br, 4 ba, and 3-car garage, plus office, massive bonus room with a covered and screened lanai facing a large backyard that includes a playset! ENTIRE INTERIOR FRESHLY PAINTED ADM ALL NEW CARPET COMING SOON! The impressive Tuscan-inspired exterior, with its sophisticated tile roof, fine stacked stone accents, pavers, a front porch & lush landscaping sets the tone for the luxury within. Etched double glass inlay front doors welcome guests into the foyer. To the left is a dedicated office space with double French doors. A warm luxury vinyl flooring flows seamlessly through the main living areas, complemented by 8-ft doors that enhance the sense of grandeur. The signature open floor plan unfolds as you enter the main living area. A spacious grand room is fashioned with stylish ceiling fan, natural light from the pocketing 18’ sliders and can lights illuminate this sophisticated yet inviting space. Prepare to be impressed by this Modern Gourmet Kitchen featuring an abundance of custom 42in Shaker Maple cabinets & drawers in Grey Dove complimented by black hardware, Custom Hood, expansive island with seating & storage, Calcatta Alto quartz countertops and a step-down bakers rack with desk and additional cabinets. Appliances include 36" gas range, built in oven & microwave, Refrigerator and dishwasher. Modern lighting and Gooseneck faucet add to the attractive design element. The dining area in the kitchen fits a large table with 8 or more chairs and is great for entertaining. A guest bath off the grand room also could serve as a pool bath with Br 5 situated on 1st fl. Ascend the stairs to the massive bonus room which is multifunctional for many uses. Escape to the Primary Suite through the double door entry revealing a spacious sanctuary with ceiling fan and can lights contrast by dark blinds. Spa like ensuite exudes luxury with walk-in shower, sunken garden tub, 2 separate vanities with Navel cabinets and stylish complimentary quartz plus walk in closet. Well-sized br 3 & br 4 feature adjoining Jack & Jill bath. The laundry room is conveniently located close by. A 4th br and hall bath complete the 2nd story. Spend time relaxing on the extended covered and screened lanai with breezy ceiling fan. A large fenced backyard includes playset and can easily support a variety of outdoor design ideas. Additional features include: 8 ft interior doors, gas water heater with expansion, garage storage, recessed lighting throughout, paved driveway, lanai offers gas for grill, water softener, hurricane shutters and portable generator included! Starkey Ranch offers an unparalleled lifestyle w/ its Magnet K-8 school, 3 community pools, playgrounds, dog parks & 20 miles of trails and more! Enjoy regular community events and easy access to shops, restaurants & Publix. Make this beautiful home yours!
Source: STELLAR #t3530200
Source: STELLAR #t3530200
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: #t3530200
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.